Bank Of Nova Scotia (BNS) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Aug 25, 2026

Before Open (Confirmed)

Period Ending

2026 (Q3)

Consensus EPS Forecast

1.47

Last Year’s EPS

1.33

Same Quarter Last Year

Analyst Consensus

Hold

Based on 10 Analysts Ratings

Earnings Call Summary

Q2 2026

Earnings Call Date:May 27, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call presented a strong operational and financial performance: solid earnings, revenue and margin expansion, good capital ratios, sizable shareholder returns and clear strategic momentum across Canadian Banking, Wealth, International (notably Mexico) and Capital Markets, plus deliberate AI and tech investments. However, the positive picture is tempered by elevated credit provisions driven by a concentrated corporate impairment in International Banking, modest pressure on deposits (term contraction) and higher expense/investment levels. Management expects provisions to moderate but at a more gradual pace than previously guided. Overall, the positive business momentum and capital strength outweigh the near-term credit and deposit headwinds.

Company Guidance

Management guided that impaired PCLs should settle in the mid‑50 basis point range for the remainder of fiscal 2026 — moderating from H1 but more gradually than previously expected — with non‑retail impaired PCLs expected to meaningfully moderate from Q2 levels; Q2 actuals were All‑Bank provisions $1.2B (66 bps) with impaired PCLs $1.1B (61 bps) and performing provisions ~5 bps (≈$50M), allowance increased by $159M to $7.3B (96 bps) and gross impaired loans were 99 bps. They reiterated capital strength (CET1 13.3% after repurchasing 6.4M shares, 13 bps capital usage; model updates also consumed 13 bps), said they will continue returning capital while prioritizing organic growth, and maintained medium‑term targets (ROE on track for 14%+ in FY2027) alongside operating expectations — overall loan growth low single digits, commercial loans +2% Q/Q with acceleration expected, small business high single digits, spot credit cards mid‑single digits by year‑end, mortgages in line with peers, and international deposits +3% Q/Q (+5% Y/Y).

Strong Profitability and Earnings Growth

Adjusted earnings of $2.7B and diluted EPS of $2.02; pretax pre-provision earnings up 16% year-over-year; return on equity 13.2%, up 270 basis points YoY and on track for 14%+ in FY2027 (one year ahead of target).

Robust Revenue and Margin Expansion

Net interest income grew 10% YoY and non-interest income grew 17% YoY; net interest margin expanded (management cited a 24 bps YoY improvement driven by higher business line margins and lower funding costs), contributing to 13% overall revenue growth.

Capital Strength and Shareholder Returns

CET1 ratio remained strong at 13.3% after repurchasing 6.4 million shares (13 bps capital usage); announced quarterly dividend increase of $0.04; returned $7.5B of capital to shareholders over the last 12 months via buybacks and dividends.

Canadian Banking Momentum

Canadian Banking earnings $935M, up 53% YoY; pretax pre-provision earnings up 13% YoY; productivity ratio improved (productivity down 230 bps YoY for Canadian Banking and bank-level productivity improved ~290 bps to 52.5%); savings and day-to-day deposits up 3% YoY and strong fee income (mutual fund distribution, credit card and insurance).

Global Wealth Management Strength

Wealth earnings $474M, up 19% YoY; ROE 17.9% (up 210 bps YoY); net sales $4.7B (4x Q2 2025) marking seventh consecutive quarter of positive net flows; spot AUM/AUA up ~18%/15% YoY and closed referrals of $9B YTD boosting connectivity with retail banking.

International Banking and Mexico Outperformance

International Banking pretax pre-provision earnings up 12% YoY with revenue up 7% YoY; Mexico performance highlighted with revenue up 8% YoY and earnings up 25% YoY; retail loans +4% YoY and non-mortgage retail loans +7% YoY; deposits up 5% YoY in International Banking.

Global Banking & Markets Momentum

GBM revenues up 9% YoY with capital markets up 25% YoY; GBM earnings $457M, up 11% YoY; mortgage capital markets accelerating and a strong deal pipeline into Q3.

Technology and AI Investment

Technology spend rose 9% YoY to $1.4B to support strategic initiatives; launched Scotia Intelligence and Scotia Navigator to embed AI bank-wide with emphasis on security, model-agnostic flexibility, enterprise data readiness and a platform-first approach.

Bank Of Nova Scotia (BNS) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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BNS Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 25, 2026	2026 (Q3)	1.47 / -	1.327	―	―	―
May 27, 2026	2026 (Q2)	1.36 / 1.43	1.073	32.89% (+0.35)
Dec 02, 2025	2025 (Q4)	1.31 / 1.36	1.108	22.93% (+0.25)
Dec 02, 2025	2026 (Q1)	1.38 / 1.45	1.242	16.48% (+0.20)		―
Aug 26, 2025	2025 (Q3)	1.22 / 1.33	1.15	15.34% (+0.18)
May 30, 2025	2025 (Q2)	1.09 / 1.07	1.115	-3.80% (-0.04)
Feb 25, 2025	2025 (Q1)	1.16 / 1.24	1.193	4.14% (+0.05)
Dec 03, 2024	2024 (Q4)	1.13 / 1.11	0.889	24.60% (+0.22)
Aug 27, 2024	2024 (Q3)	1.15 / 1.15	1.221	-5.78% (-0.07)
May 28, 2024	2024 (Q2)	1.10 / 1.12	1.2	-7.06% (-0.08)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BNS Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
May 27, 2026	$80.40	$80.68	+0.35%
Dec 02, 2025	$67.07	$69.01	+2.89%
Dec 02, 2025	$67.07	$69.01	+2.89%
Aug 26, 2025	$55.39	$59.34	+7.13%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.