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Oct 31, 2025
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Scotiabank Q4 2025 Earnings Report
Scotiabank reported strong financial results for Q4 2025, with notable year-over-year growth in net income and EPS.
Key Takeaways
The bank saw significant improvements in profitability, driven by strong performance across all business lines, particularly in Global Wealth Management and Global Banking and Markets.
Net income rose to 2206000000 CAD from 1689000000 CAD in Q4 2024.
Diluted EPS increased to 1.65 CAD, with adjusted EPS at 1.93 CAD.
Revenue grew 15% YoY to 9803000000 CAD, driven by both interest and non-interest income.
All business lines posted year-over-year earnings growth.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Scotiabank enters FY26 with momentum, aiming to deliver on medium-term objectives focused on ROE, client acquisition, and cost efficiencies.
Positive Outlook
- All segments delivered YoY earnings growth.
- Strong performance in Global Banking and Markets and Wealth Management.
- Higher net interest income and margins.
- Improved ROE to 11.0% in Q4.
- Adjusted productivity ratio improved YoY.
Challenges Ahead
- Higher non-interest expenses due to restructuring and severance.
- Provision for credit losses increased YoY.
- Global minimum tax impacted International Banking.
- Canadian Banking earnings declined FY-over-FY.
- Legal provisions contributed to one-time charges.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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