The Bank of Nova Scotia Income Statement

Financials in millions CAD. Fiscal year is November - October.

Millions CAD. Fiscal year is Nov - Oct.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jan '26 Jan 31, 2026	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Oct '22 Oct 31, 2022	Oct '21 Oct 31, 2021
Net Interest Income	21,931	21,522	19,252	18,262	18,115	16,961
Net Interest Income Growth	11.60%	11.79%	5.42%	0.81%	6.80%	-2.07%
Non-Interest Income	16,084	16,219	14,418	13,952	13,301	14,291
Non-Interest Income Growth	7.54%	12.49%	3.34%	4.89%	-6.93%	1.96%
Revenues Before Loan Losses	38,015	37,741	33,670	32,214	31,416	31,252
Provision for Credit Losses	4,728	4,714	4,051	3,422	1,382	1,808
Revenue	33,287	33,027	29,619	28,792	30,034	29,444
Revenue Growth (YoY)	9.65%	11.51%	2.87%	-4.13%	2.00%	16.60%
Compensation Expenses	11,056	10,824	9,855	9,590	8,836	8,541
Selling, General & Admin	5,210	5,233	4,684	4,407	4,091	3,913
Other Non-Interest Expenses	5,060	6,461	5,156	5,124	4,175	4,164
Total Non-Interest Expense	21,326	22,518	19,695	19,121	17,102	16,618
Pretax Income	11,961	10,509	9,924	9,671	12,932	12,826
Provision for Income Taxes	2,897	2,751	2,032	2,221	2,758	2,871
Net Income	8,413	7,283	7,286	6,919	9,656	9,391
Minority Interest in Earnings	135	-31	134	112	258	331
Net Income Attributable to Preferred Dividends	516	506	472	419	260	233
Net Income to Common	8,413	7,283	7,286	6,919	9,656	9,391
Net Income Growth	34.72%	-0.04%	5.30%	-28.34%	2.82%	42.68%
Shares Outstanding (Basic)	1,241	1,244	1,226	1,197	1,199	1,214
Shares Outstanding (Diluted)	1,244	1,248	1,232	1,204	1,208	1,225
Shares Change (YoY)	0.36%	1.30%	2.33%	-0.33%	-1.39%	-1.45%
EPS (Basic)	6.77	5.84	5.94	5.78	8.05	7.74
EPS (Diluted)	6.70	5.67	5.87	5.72	8.02	7.70
EPS Growth	37.86%	-3.41%	2.62%	-28.68%	4.16%	45.28%
Free Cash Flow	12,978	5,060	15,163	31,282	16,372	-13,269
Free Cash Flow Growth	156.48%	-66.63%	-51.53%	91.07%	-	-
Free Cash Flow Per Share	10.44	4.05	12.31	25.98	13.55	-10.83
Dividends Per Share	4.360	4.320	4.240	4.180	4.060	3.600
Dividend Growth	0.93%	1.89%	1.44%	2.96%	12.78%	-
Profit Margin	27.23%	23.49%	26.65%	25.88%	33.87%	33.81%
FCF Margin	38.99%	15.32%	51.19%	108.65%	54.51%	-45.07%
EBITDA	1,586	1,604	1,760	1,820	1,531	1,511
EBITDA Margin	4.76%	4.86%	5.94%	6.32%	5.10%	5.13%
Effective Tax Rate	24.22%	26.18%	20.48%	22.97%	21.33%	22.38%

Updated Jan 31, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.