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The Bank of Nova Scotia (BNS) investor relations material
The Bank of Nova Scotia RBC Capital Markets Canadian Bank CEO Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.RBC Capital Markets Canadian Bank CEO Conference summary6 Jan, 2026
Growth strategy and outlook for 2026
Exceeded 2025 targets with 10% earnings growth, positive operating leverage, 13% CET1 ratio, and 11 million shares repurchased.
Double-digit earnings growth targeted for 2026, with Canadian banking expected to lead, supported by yield improvement, productivity, and fee income growth.
International banking aims for mid-single-digit PTPP growth and modest NIAT growth, with stronger growth anticipated in 2027 as macro conditions improve.
Wealth business projects high single-digit NIAT growth, while GBM expects flat to modest NIAT growth after a record 2025.
Continued share repurchases planned, maintaining momentum into 2027.
Canadian banking and business mix
Strategy focuses on primacy, business mix, and operational excellence, adding 275,000 primary clients since Investor Day.
Mortgage+ offering drives 95% of originations; strong deposit growth with CAD 55 billion in new deposits and 7-11% growth in day-to-day and savings accounts.
Wealth sales improved from sixth to second in retail mutual funds, driven by better coordination between banking and wealth divisions.
Opportunities identified in cards and commercial mid-market, with investments in technology and sales force to boost performance.
Deposit mix and asset yield improvements expected to drive NIM expansion in 2026.
International banking and macro environment
No direct exposure to Venezuela; recent political shifts in LATAM seen as positive for long-term regional growth.
U.S. influence and business-friendly administrations in Mexico, Chile, and Peru support the Western Hemisphere strategy.
Short-term FX volatility minimal; credit outlook stable with no significant issues.
Impaired PCL ratio guidance for 2026 remains similar to 2025, with improvement expected in 2027 as LATAM economies strengthen.
Canadian bank ROA path to 1% by 2028
IB PCLs: What drives 2027 growth acceleration?
U.S. GTB investment impact on deposits by 2027
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Next The Bank of Nova Scotia earnings date
Q1 202624 Feb, 2026
Next The Bank of Nova Scotia earnings date
Q1 202624 Feb, 2026
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Bank of Nova Scotia, operating as Scotiabank, provides various banking products and services in North America, Latin America, the Caribbean and Central America, and internationally. The company offers financial advice and solutions, including transactional accounts, chequing accounts, savings accounts and term deposits.
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