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The Bank of Nova Scotia (Scotiabank) (BNS) Q3 FY2026 6-K Filings and Company Events

CIK 0000009631 · NYSE · Latest period: Q3 FY2026 (ended 2026-07-31, 6-K accession 0001193125-26-364115) · Annual report: FY2025 40-F (filed 2025-12-02, accession 0001193125-25-304643) · Next expected filing: 40-F ~2026-12-01

More for The Bank of Nova Scotia (Scotiabank): Company index · Financial statements · 40-F and 6-K summary

PeriodQ3 FY2026

Published

This page digests the material Form 6-K filings The Bank of Nova Scotia (Scotiabank) (BNS) has made over roughly the trailing five quarters: earnings releases, management and board changes, capital returns, financing, and governance actions. Each item cites the SEC accession number of the filing it came from. It is current through Q3 FY2026, the period ended 2026-07-31, as reported in the 6-K filed with the SEC.

Scotiabank reports in Canadian dollars and files Form 6-K as a foreign private issuer. Dollar amounts below are converted from Canadian dollars to US dollars (flows at the average rate for the period, balances at the closing rate); percentages the company gives without an amount are stated as given, in Canadian-dollar terms. Share prices, per-share amounts and the dollar amount of the dividend are converted the same way.

Filings that contain financial statements

  • Form 6-K filed 2026-08-25, accession 0001193125-26-364115 (Exhibit 99.1, "2026 Third Quarter Report to Shareholders"): the interim report for the quarter and nine months ended July 31, 2026. It holds the management's discussion and analysis (financial highlights, segment results, balance sheet and capital discussion) and the unaudited interim condensed consolidated financial statements (statement of financial position, statement of income, statement of comprehensive income, statement of changes in equity, statement of cash flows, and notes).
  • Form 6-K filed 2026-08-25, accession 0001193125-26-364091 (Exhibit 99.1, "Third Quarter 2026 Earnings Release"): the earnings press release for the same quarter, with a financial highlights table and segment results. It is a results release rather than a full set of statements.
  • Form 6-K filed 2026-08-25, accession 0001193125-26-364142: consolidated capitalization at July 31, 2026 (Exhibit 99.1) and the computation of the consolidated ratio of earnings for the nine months ended July 31, 2026 and prior fiscal years (Exhibit 99.2). Supplementary tables, not primary statements.
  • Annual statements for fiscal 2025 (year ended October 31, 2025) are in the Form 40-F filed 2025-12-02, accession 0001193125-25-304643 (Exhibit 99.2 management's discussion and analysis; Exhibit 99.3 audited consolidated financial statements).

Third quarter 2026 results (6-K filed 2026-08-25, accessions 0001193125-26-364091 and 0001193125-26-364115)

  • Reported net income for the quarter ended July 31, 2026 was $2.11 billion, up 14.9% in US dollar terms from $1.84 billion a year earlier (up 16.9% in Canadian dollars). Diluted earnings per share rose to $1.63 (C$2.27), versus $1.34 a year earlier (C$1.84). Return on equity was 14.1%, against 12.2% a year earlier.
  • Adjusted net income (a non-GAAP measure) was $2.13 billion (C$2,973 million), with adjusted diluted earnings per share of $1.63 (C$2.28), up from $1.37 a year earlier (C$1.88) and adjusted return on equity of 14.2%. The nine-month adjusted figures exclude the first-quarter loss on the sale of the Colombia, Costa Rica and Panama operations (below).
  • Total revenue was $7.54 billion, up 9.2% in US dollar terms from $6.91 billion (up 11.1% in Canadian dollars). Net interest margin was 2.49%, compared with 2.36% a year earlier and 2.49% in the prior quarter. The provision for credit losses was $772.56 million (C$1,079 million), against $757.85 million a year earlier (C$1,041 million).
  • Segment earnings: Canadian Banking $766.84 million (C$1,071 million, up 12%), International Banking $548.46 million (C$766 million, up 8%), Global Wealth Management $370.89 million (C$518 million, up 23%, a record), Global Banking and Markets $463.25 million (C$647 million, up 37%, a record). Assets under management were $337.90 billion, up 16% from a year earlier.
  • The Chief Executive Officer called it a record quarter in which the bank exceeded its 14% return-on-equity target.
  • Total assets at July 31, 2026 were $1.10 trillion. Common Equity Tier 1 capital ratio was 13.1%, compared with 13.3% at April 30, 2026; the filing attributes the 20 basis point decline to risk-weighted asset growth, the recall of a synthetic risk transfer securitization and share repurchases, partly offset by earnings less dividends.
  • The release does not give a numeric earnings guidance range; the report refers to the "Outlook" and "2026 Priorities" sections of the 2025 Annual Report, as updated by quarterly reports.

Capital returns

  • Dividend (6-K filed 2026-08-25, accession 0001193125-26-364103): the board declared quarterly common dividend No. 629 of $0.82 per share (C$1.14), payable October 28, 2026 to holders of record on October 6, 2026. The prior-quarter dividend paid was $0.80 (C$1.10). The dividend plan continues to buy shares in the market rather than issue from treasury.
  • Share buybacks (accession 0001193125-26-364115): in the third quarter the bank repurchased and cancelled about 8.6 million common shares at an average price of $83.69 (C$116.89), for $738.20 million (C$1,031 million) including tax. Over the nine months the bank repurchased about 19.9 million shares for $1.58 billion. The 2025 normal course issuer bid ended April 6, 2026 after all 20 million shares were repurchased. A new bid for up to 15 million shares was approved on April 2, 2026 and began April 7, 2026. Year to date, the bank states it has returned $4.55 billion to shareholders through buybacks and dividends.
  • Buyback increase (6-K filed 2026-10-02, accession 0001279569-26-000945): the Toronto Stock Exchange and the Office of the Superintendent of Financial Institutions approved an amendment raising the maximum under the current bid from 15 million to 40 million common shares (about 3.25% of the 1,231,433,660 shares outstanding at March 24, 2026), effective October 6, 2026. As of August 31, 2026, 13,044,315 shares had been purchased under the current bid. The bid runs to the earlier of reaching the maximum, a termination notice, or April 6, 2027.

Debt and capital instruments

  • Limited recourse capital notes reset (6-K filed 2026-07-24, accession 0001279569-26-000699): the interest rate on the $891.07 million (C$1.25 billion) Series 1 Limited Recourse Capital Notes reset from 3.70% to 5.987% for the five years from July 27, 2026 (Government of Canada yield plus 2.761%). The notes mature July 27, 2081 and may be redeemed in the window June 27 to July 27, 2031, subject to regulatory approval. The matching additional Tier 1 notes reset to the same rate.
  • Senior medium-term note program documents (6-Ks filed 2026-10-01, accessions 0001193125-26-410050 and 0001839882-26-048517): the bank filed a distribution agreement, calculation agency agreement and exchange rate agency agreement dated October 1, 2026 for its U.S. $75 billion Senior Medium-Term Notes, Series I program (with Scotia Capital (USA) Inc. and Computershare Trust Company, N.A.), and a separate Seventh Amended and Restated Distribution Agreement and Calculation Agency Agreement for its senior notes program. These are program documents under the bank's shelf registration; the filings state no issuance amount.
  • Shelf-related legal opinions (6-K filed 2026-06-05, accession 0001193125-26-258920): opinions and consents of U.S. and Canadian counsel (Exhibits 5.1, 5.2) filed in connection with the bank's registration statement.
  • Subordinated debentures issued July 23, 2026 (accession 0001193125-26-364115, Exhibit 99.1, subordinated debentures note): the bank issued $891.07 million (C$1.25 billion, at the July 31, 2026 closing rate) of 4.223% Non-Viability Contingent Capital subordinated debentures due August 1, 2036. They qualify as Tier 2 regulatory capital and are redeemable by the bank from August 1, 2031.
  • Earnings coverage ratios: for the twelve months ended July 31, 2026, dividend coverage on preferred shares and other equity instruments was 19.88 and interest coverage on subordinated indebtedness was 45.13 (accession 0001193125-26-364131); the April 30, 2026 figures were 18.85 and 39.97 (accession 0001193125-26-240499). Subordinated debentures were $4.93 billion (C$6,919 million) at July 31, 2026, against $4.24 billion (C$5,766 million) at April 30, 2026 (accessions 0001193125-26-364142, 0001193125-26-240503).

Portfolio and strategic items

  • Sale of Colombia, Costa Rica and Panama banking operations - closed. The third quarter report states the bank "completed the sale" of these operations to Davivienda Group S.A. on December 1, 2025 (first quarter of fiscal 2026) in exchange for a 20.3% ownership stake in the combined Davivienda Group S.A. On closing the bank recognized a further loss of $313.01 million (C$434 million; $271.90 million, or C$377 million, after tax), primarily the release of cumulative foreign currency translation losses, on top of a $1.02 billion (C$1,422 million) impairment recorded in fiscal 2025. The report quantifies the earnings effect of the divested operations; for the quarter, they reduced net interest income by $180.43 million (C$252 million, 5%) and non-interest expenses by $171.84 million (C$240 million, 5%). (Accession 0001193125-26-364115.)
  • KeyCorp ownership interest (6-K filed 2026-07-22, accession 0001279569-26-000688): the bank said its expected third-quarter net income contribution from its KeyCorp ownership interest would be about $58.71 million (C$82 million), or about $64.44 million (C$90 million) adjusted for intangible asset amortization. It represents the bank's share of KeyCorp's second quarter 2026 net income, reported on a one-month lag and net of funding costs. The release also set the third quarter results date as August 25, 2026. The bank completed its roughly 14.9% interest (163 million shares) in two stages, finishing December 27, 2024, at $17.17 per share for about $2.8 billion in cash, paid in US dollars (Form 40-F, accession 0001193125-25-304643, Exhibit 99.1).
  • Scotia Group Jamaica minority buyout - pending, not closed (accession 0001193125-26-364115, Exhibit 99.1, Note 19). On June 12, 2026 the bank announced a proposal to acquire all shares of Scotia Group Jamaica Limited held by non-controlling shareholders for approximately $358 million (C$500 million) in cash. It is a court-approved scheme of arrangement under Jamaican law and remains subject to minority-shareholder approval, court approval and customary conditions. It will be accounted for as an equity transaction, with no income-statement gain or loss, and is expected to reduce the Common Equity Tier 1 ratio by about 6 basis points at closing.
  • Interim certifications and routine filings. Chief Executive Officer interim-filing certifications were furnished for the quarters ended April 30, 2026 and July 31, 2026 (accessions 0001193125-26-240496, 0001193125-26-364120); they carry no news.

Not found in the filings

  • Apart from the Scotia Group Jamaica minority buyout proposal above, no 6-K in this period reports a new acquisition signing, a management or board change, a credit-rating action or a material legal or regulatory outcome.

FAQ · The Bank of Nova Scotia (Scotiabank) 6-K filings and events

What has The Bank of Nova Scotia (Scotiabank) (BNS) reported in its recent 6-K filings?

Form 6-K filed 2026-08-25, accession 0001193125-26-364115 (Exhibit 99.1, "2026 Third Quarter Report to Shareholders"): the interim report for the quarter and nine months ended July 31, 2026. It holds the management's discussion and analysis (financial highlights, segment results, balance sheet and capital discussion) and the unaudited interim condensed consolidated financial statements (statement of financial position, statement of income, statement of comprehensive income, statement of changes in equity, statement of cash flows, and notes).

When does The Bank of Nova Scotia (Scotiabank) (BNS) next file with the SEC?

The Bank of Nova Scotia (Scotiabank) (BNS) is expected to file its next Form 40-F with the SEC on or around December 1, 2026. That date is a projection rather than a company-announced date: it is derived from The Bank of Nova Scotia (Scotiabank)'s own filing history with the SEC, by taking the date the company filed the same fiscal period a year earlier and adding 52 weeks. The most recent periodic report on file is the 6-K for Q3 FY2026, the period ended 2026-07-31, SEC accession 0001193125-26-364115.

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How this page was built

This page was built from 16 of The Bank of Nova Scotia (Scotiabank)'s own filings with the SEC, read one at a time. Nothing on it is taken from news coverage, analyst commentary or another website. Their accession numbers are cited inline, so any statement here can be traced to the filing it came from and checked against sec.gov.

A single company files thousands of pages with the SEC in a year, and no two companies file them the same way, so the reading and the assembly here are done by AI rather than by rules that break on the differences. Every pass is then audited back against the filings it came from before the page is published, and anything the filings do not support is left out and named rather than filled in. AI can still make mistakes. That is why the accession numbers are printed: the filing is the authority, and this page is a route to it.

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Built from The Bank of Nova Scotia (Scotiabank)'s SEC filings by Ticker Scout; accession numbers are cited throughout so every figure can be checked against sec.gov. Free to cite with attribution: Ticker Scout (tickerscout.ai). Not investment advice, see the Disclaimer.