Cash flow The Bank of Nova Scotia

Equities

BNS

CA0641491075

Banks

Market Closed - Toronto S.E. Other stock markets 21:00:00 07/02/2025 GMT			5-day change	1st Jan Change
72.77 ^CAD	-0.16%		-2.14%	-5.73%

01-29	Canada Banks Brief: Scotia Joins National Bank, CIBC, BMO, TD and RBC In Decreasing the Prime rate by 25 basis points from 5.45% to 5.20%, effective January 30, 2025	MT
01-29	Canada Banks Brief: National Bank Joins CIBC, BMO, TD and RBC In Decreasing the Prime rate by 25 basis points from 5.45% to 5.20%, effective January 30, 2025	MT

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Published financial data: THE BANK OF NOVA SCOTIA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2020	2021	2022	2023	2024
Interest Income On Loans	26.98B	23.16B	29.39B	45.04B	47.81B
Interest Income On Investments	2.74B	1.83B	4.17B	11.78B	13.85B
Interest Income, Total	29.71B	24.99B	33.56B	56.82B	61.66B
Interest On Deposits	10.73B	6.46B	12.79B	35.65B	39.48B
Total Interest On Borrowings	1.66B	1.56B	2.65B	2.89B	2.93B
Interest Expense, Total	12.39B	8.02B	15.44B	38.54B	42.41B
Net Interest Income	17.32B	16.96B	18.12B	18.29B	19.25B
Trust Income	946M	994M	999M	1.03B	1.1B
Income From Trading Activities	2.41B	2.03B	1.79B	1.58B	1.63B
Gain (Loss) on Sale of Assets	307M	-9M	-233M	367M	-279M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	607M	419M	74M	129M	48M
Income (Loss) on Equity Invest. (Income Block)	242M	339M	268M	153M	198M
Total Other Non Interest Income	9.5B	10.51B	10.17B	11.13B	11.58B
Non Interest Income, Total	14.02B	14.28B	13.07B	14.39B	14.28B
Revenues Before Provison For Loan Losses	31.34B	31.24B	31.18B	32.67B	33.53B
Provision For Loan Losses	6.08B	1.81B	1.38B	3.42B	4.05B
Total Revenues	25.25B	29.44B	29.8B	29.25B	29.48B
Salaries And Other Employee Benefits	8.26B	8.24B	8.42B	9.18B	9.39B
Occupancy Expense	3.83B	3.76B	3.44B	3.93B	4.08B
Selling General & Admin Expenses, Total	2.01B	1.86B	2.6B	2.72B	2.82B
Total Other Non Interest Expense	2.76B	2.74B	2.41B	3.67B	3.26B
Non Interest Expense, Total	16.86B	16.61B	16.87B	19.5B	19.56B
EBT, Excl. Unusual Items	8.4B	12.83B	12.93B	9.75B	9.92B
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	8.4B	12.83B	12.93B	9.75B	9.92B
Income Tax Expense	1.54B	2.87B	2.76B	2.23B	2.03B
Earnings From Continuing Operations	6.85B	9.96B	10.17B	7.53B	7.89B
Net Income to Company	6.85B	9.96B	10.17B	7.53B	7.89B
Minority Interest	-75M	-331M	-258M	-118M	-134M
Net Income - (IS)	6.78B	9.62B	9.92B	7.41B	7.76B
Preferred Dividend and Other Adjustments	196M	233M	260M	419M	472M
Net Income to Common Incl Extra Items	6.58B	9.39B	9.66B	6.99B	7.29B
Net Income to Common Excl. Extra Items	6.58B	9.39B	9.66B	6.99B	7.29B
Per Share Items
Net EPS - Basic	5.43	7.74	8.05	5.84	5.94
Basic EPS - Continuing Operations	5.43	7.74	8.05	5.84	5.94
Basic Weighted Average Shares Outstanding	1.21B	1.21B	1.2B	1.2B	1.23B
Net EPS - Diluted	5.3	7.7	8.02	5.78	5.87
Diluted EPS - Continuing Operations	5.3	7.7	8.02	5.78	5.87
Diluted Weighted Average Shares Outstanding	1.24B	1.22B	1.21B	1.2B	1.23B
Normalized Basic EPS	4.27	6.33	6.53	4.99	4.95
Normalized Diluted EPS	4.16	6.27	6.48	4.97	4.93
Dividend Per Share	3.6	3.6	4.06	4.18	4.24
Payout Ratio	67.26	47.84	51.61	73.17	73.09
Supplemental Items
Effective Tax Rate - (Ratio)	18.38	22.38	21.33	22.82	20.48
Current Domestic Taxes	1.14B	1.9B	2.72B	2.08B	373M
Current Foreign Taxes	1.08B	702M	811M	1.05B	1.22B
Total Current Taxes	2.21B	2.6B	3.53B	3.12B	1.59B
Deferred Domestic Taxes	-256M	40M	-884M	-878M	569M
Deferred Foreign Taxes	-413M	227M	113M	-20M	-131M
Total Deferred Taxes	-669M	267M	-771M	-898M	438M
Normalized Net Income	5.17B	7.69B	7.82B	5.98B	6.07B
Non-Cash Pension Expense	29M	74M	29M	-21M	-19M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	368M	298M	415M	421M	464M
Total Stock-Based Compensation	368M	298M	415M	421M	464M

Fiscal Period: October	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	4B	3.97B	5.11B	4.42B	4.08B
Investment Securities, Total	299B	282B	343B	400B	410B
Trading Asset Securities, Total	163B	189B	169B	169B	174B
Total investments	462B	471B	512B	569B	584B
Gross Loans	611B	643B	750B	757B	767B
Allowance For Loan Losses	-7.64B	-5.63B	-5.35B	-6.37B	-6.54B
Net Loans	603B	637B	745B	751B	761B
Gross Property Plant And Equipment	11.39B	11.54B	12.24B	10.52B	10.37B
Accumulated Depreciation	-5.49B	-5.92B	-6.54B	-4.88B	-5.12B
Net Property Plant And Equipment	5.9B	5.62B	5.7B	5.64B	5.25B
Goodwill	9.28B	8.85B	8.87B	9.18B	8.96B
Other Intangibles, Total	7.74B	7.76B	7.96B	8.01B	7.89B
Accrued Interest Receivable	2.81B	2.16B	3.71B	4.91B	5.35B
Other Receivables	5.89B	6.92B	9.67B	9.1B	7.74B
Restricted Cash	7.12B	5.72B	5.96B	5.76B	5.32B
Other Current Assets, Total	20.32B	27.15B	35.69B	31.82B	12.66B
Deferred Tax Assets Long-Term (Collected)	2.18B	2.05B	1.9B	3.53B	2.94B
Other Real Estate Owned And Foreclosed	301M	257M	274M	334M	312M
Other Long-Term Assets, Total	5.8B	6.62B	7.94B	8.34B	6.92B
Total Assets	1,136B	1,185B	1,349B	1,411B	1,412B
Liabilities
Accounts Payable, Total	5.44B	6.51B	7B	7.82B	8.13B
Accrued Expenses, Total	624M	958M	1.96B	1.56B	798M
Interest Bearing Deposits	507B	551B	585B	590B	606B
Institutional Deposits	203B	201B	284B	318B	295B
Non-Interest Bearing Deposits	40.99B	45.4B	46.96B	43.68B	42.52B
Total Deposits	751B	797B	916B	952B	944B
Short-Term Borrowings	42.25B	42.2B	65.9B	58.66B	51.26B
Current Portion of Long-Term Debt	133B	127B	143B	165B	197B
Current Portion of Leases	451M	420M	425M	428M	410M
Long-Term Debt	31.02B	25.67B	27.16B	31.61B	37.25B
Long-Term Leases	3.02B	2.99B	2.9B	2.77B	2.57B
Current Income Taxes Payable	743M	1.34B	464M	728M	1.07B
Accrued Interest Payable	2.24B	1.45B	3.61B	7.59B	7.84B
Other Current Liabilities - (Bank / Utility Template)	24.83B	30.41B	35.71B	34.86B	15.46B
Pension & Other Post Retirement Benefits	2.2B	661M	549M	521M	523M
Deferred Tax Liability Non-Current	1.07B	1.15B	1.1B	1.45B	1.4B
Other Non Current Liabilities	68.18B	74.29B	68.96B	66.91B	60.01B
Total Liabilities	1,066B	1,112B	1,275B	1,332B	1,328B
Preferred Stock Redeemable	2.06B	800M	300M	300M	-
Total Preferred Equity	2.06B	800M	300M	300M	-
Common Stock, Total	18.24B	18.51B	18.71B	20.11B	22.05B
Retained Earnings	46.34B	51.35B	53.76B	55.75B	57.75B
Comprehensive Income and Other	1.48B	141M	457M	773M	2.56B
Total Common Equity	66.07B	70B	72.92B	76.63B	82.37B
Minority Interest	2.38B	2.09B	1.52B	1.74B	1.71B
Total Equity	70.5B	72.89B	74.75B	78.67B	84.08B
Total Liabilities And Equity	1,136B	1,185B	1,349B	1,411B	1,412B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.21B	1.22B	1.19B	1.21B	1.24B
ECS Total Common Shares Outstanding	1.21B	1.22B	1.19B	1.21B	1.24B
Book Value / Share	54.53	57.6	61.21	63.12	66.19
Tangible Book Value	49.05B	53.4B	56.09B	59.44B	65.52B
Tangible Book Value Per Share	40.49	43.94	47.08	48.96	52.65
Average Assets	1,161B	1,157B	1,282B	1,396B	1,419B
Average Loans	616B	622B	700B	762B	756B
Total Debt	210B	198B	239B	258B	289B
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.81B	120M	-679M	-470M	-369M
Net Debt	-142B	-199B	-165B	-195B	-144B
Equity Method Investments, Total	2.48B	2.6B	2.63B	1.92B	1.82B
Full Time Employees	92K	89.49K	90.98K	89.48K	88.49K
Number Of Offices	2.62K	2.52K	2.38K	2.38K	2.24K

Fiscal Period: October	2020	2021	2022	2023	2024
Net Income	6.78B	9.62B	9.92B	7.41B	7.76B
Depreciation, Depletion & Amortization	797M	769M	749M	801M	730M
Amortization of Goodwill and Intangible Assets - (CF)	124M	103M	97M	157M	72M
Total Depreciation, Depletion & Amortization	921M	872M	846M	958M	802M
Amortization of Deferred Charges, Total	625M	639M	685M	862M	958M
(Gain) Loss On Sale of Asset - (CF)	-307M	9M	233M	-367M	136M
(Gain) Loss on Sale of Investments - (CF)	-607M	-419M	-74M	56M	295M
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	6.08B	1.81B	1.38B	3.42B	4.05B
(Income) Loss On Equity Investments - (CF)	-242M	-339M	-268M	-153M	-198M
Stock-Based Compensation (CF)	5M	7M	10M	14M	13M
Change in Trading Asset Securities	9.94B	-34B	37.5B	-2.69B	-11.37B
Change in Other Net Operating Assets (Collected)	5.79B	-70.76B	-130B	-1.37B	14.08B
Other Operating Activities	-310M	1.18B	1.15B	4.1B	-52M
Cash from Operations	28.68B	-91.38B	-78.96B	12.25B	16.47B
Capital Expenditure	-771M	-462M	-571M	-442M	-489M
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-	-717M	-549M	-	-
Divestitures	3.94B	-	-	895M	-
Investment in Marketable and Equity Securities, Total	-58.94B	16.5B	-8.82B	-29.58B	-5.93B
Other Investing Activities, Total	-684M	-624M	-1.35B	-911M	-1.03B
Cash from Investing	-56.46B	14.7B	-11.29B	-30.04B	-7.45B
Long-Term Debt Issued, Total	-	-	3.36B	1.45B	1B
Total Debt Issued	-	-	3.36B	1.45B	1B
Long-Term Debt Repaid, Total	-354M	-1.09B	-1.6B	-403M	-3.55B
Total Debt Repaid	-354M	-1.09B	-1.6B	-403M	-3.55B
Issuance of Common Stock	59M	268M	137M	1.4B	1.94B
Repurchase of Common Stock	-414M	-	-2.87B	-	-
Issuance of Preferred Stock	1.69B	2B	2.52B	-	1B
Repurchase of Preferred Stock	-265M	-1.26B	-500M	-	-300M
Common Dividends Paid	-4.36B	-4.37B	-4.86B	-5B	-5.2B
Preferred Dividends Paid	-196M	-233M	-260M	-419M	-472M
Common & Preferred Stock Dividends Paid	-4.56B	-4.6B	-5.12B	-5.42B	-5.67B
Net Increase (Decrease) in Deposit Accounts - (CF)	27.98B	78.57B	95.9B	19.48B	-816M
Other Financing Activities, Total	3.99B	1.91B	-506M	210M	-3.26B
Cash from Financing	28.12B	75.79B	91.33B	16.71B	-9.65B
Foreign Exchange Rate Adjustments	-129M	-543M	301M	190M	-131M
Net Change in Cash	219M	-1.43B	1.37B	-892M	-767M
Supplemental Items
Cash Interest Paid	13.04B	8.77B	13.34B	34.73B	42.27B
Cash Income Tax Paid (Refund)	1.96B	2.69B	3.5B	2.14B	1.98B
Net Debt Issued / Repaid	-354M	-1.09B	1.76B	1.04B	-2.55B

Fiscal Period: October	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.62	0.86	0.8	0.55	0.56
Return On Equity %	9.74	13.88	13.78	9.81	9.7
Return on Common Equity	10.03	13.8	13.51	9.35	9.17
Shareholders Value Added	-974M	1.56B	1.44B	-1.41B	-1.7B
Margin Analysis
SG&A Margin	55.82	47.11	48.52	54.1	55.28
Net Interest Income / Total Revenues %	68.59	57.62	60.79	62.52	65.3
EBT Excl. Non-Recurring Items Margin %	33.25	43.57	43.39	33.34	33.66
Income From Continuing Operations Margin %	27.14	33.82	34.14	25.73	26.77
Net Income Margin %	26.84	32.7	33.27	25.33	26.31
Net Avail. For Common Margin %	26.07	31.9	32.4	23.9	24.71
Normalized Net Income Margin	20.48	26.11	26.26	20.44	20.58
Asset quality
Nonperforming Loans / Total Loans %	0.83	0.69	0.64	0.76	0.88
Nonperforming Loans / Total Assets %	0.44	0.38	0.35	0.41	0.48
Nonperforming Assets / Total Assets %	0.47	0.4	0.37	0.43	0.5
NPAs / Loans and OREO	0.88	0.73	0.67	0.8	0.92
NPAs / Equity	7.59	6.47	6.77	7.7	8.39
Allowance for Credit Losses / Net Charge-offs %	259.74	167.54	309.85	259.87	185.52
Allowance for Credit Losses / Nonperforming Loans %	151.18	126.26	111.74	111.28	96.99
Allowance for Credit Losses / Total Loans %	1.25	0.88	0.71	0.84	0.85
Net Charge-offs / Total Average Loans %	0.48	0.54	0.25	0.32	0.47
Provision for Loan Losses / Net Charge-offs %	206.87	53.84	80.07	139.56	114.99
Earning Assets / IBL	106.05	108.3	108.3	108.05	108.42
Interest Income / Average Assets	2.56	2.16	2.62	4.07	4.34
Interest Expense / Average Assets	1.07	0.69	1.2	2.76	2.99
Net Interest Income / Average Assets	1.49	1.47	1.41	1.31	1.36
Non Interest Income / Average Assets	1.21	1.23	1.02	1.03	1.01
Non Interest Expense / Average Asset	1.45	1.44	1.32	1.4	1.38
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.91	5.86	5.64	5.42	5.63
Total Average Equity / Total Average Assets %	6.33	6.18	5.83	5.56	5.76
Total Equity + Allowance for Loan Losses / Total Loans %	12.4	11.89	10.47	11	11.59
Gross Loans / Total Deposits %	81.36	80.6	81.9	79.52	81.3
Net Loans / Total Deposits %	80.35	79.9	81.31	78.85	80.61
Tier 1 Capital Ratio %