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Jul 31, 2025
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Scotiabank Q3 2025 Earnings Report
Scotiabank reported strong earnings in Q3 2025, with higher net income, EPS, and solid performance across all core business segments.
Key Takeaways
Scotiabank delivered a strong Q3 2025, driven by revenue growth and disciplined expense management. All major business segments showed year-over-year improvement in earnings, contributing to increased ROE and a stable CET1 capital ratio.
Reported net income rose to CAD 2.53 billion, up from CAD 1.91 billion last year.
Diluted EPS increased to CAD 1.84 from CAD 1.41 year-over-year.
Return on equity improved to 12.2% from 9.8% in Q3 2024.
The bank maintained a strong Common Equity Tier 1 (CET1) capital ratio of 13.3%.
Forward Guidance
Scotiabank expects continued strength in its diversified operations, driven by growth in core banking, wealth management, and international markets, though macroeconomic uncertainty may present headwinds.
Positive Outlook
- Revenue growth and positive operating leverage expected to continue.
- Strong capital position supports further share buybacks.
- Improved profitability across key business segments.
- Global Wealth Management expected to benefit from higher AUM.
- Solid risk management framework in place for credit performance.
Challenges Ahead
- Macroeconomic uncertainty remains a challenge, especially in international markets.
- Foreign exchange headwinds may impact reported results.
- Higher provisions in Canadian commercial portfolios may persist.
- Operating expenses remain elevated in some segments.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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