The Bank of Nova Scotia (BNS) Q3 2025 Earnings Call Transcript

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The Bank of Nova Scotia (NYSE:BNS) Q3 2025 Earnings Conference Call August 26, 2025 8:15 AM ET

Company Participants

Aris Bogdaneris – Group Head of Canadian Banking
Francisco Alberto Aristeguieta Silva – Group Head of International & Global Transaction Banking
Jacqueline Lucille Allard – Group Head of Global Wealth Management
Philip M. Thomas – Group Head & Chief Risk Officer
Rajagopal Viswanathan – Group Head & CFO
Scott Thomson – Corporate Participant
Travis J. Machen – CEO and Group Head of Global Banking & Markets Business

Conference Call Participants

Darko Mihelic – RBC Capital Markets, Research Division
Doug Young – Desjardins Securities Inc., Research Division
Ebrahim Huseini Poonawala – BofA Securities, Research Division
Gabriel Dechaine – National Bank Financial, Inc., Research Division
Jill Elizabeth Glaser Shea – UBS Investment Bank, Research Division
John Aiken – Jefferies LLC, Research Division
Matthew James Lee – Canaccord Genuity Corp., Research Division
Paul David Holden – CIBC Capital Markets, Research Division
Sohrab Movahedi – BMO Capital Markets Equity Research

Unidentified Company Representative

Good morning, and welcome to Scotiabank’s Q3 results presentation. My name is Meny Grauman, and I’m head of IR here at Scotiabank. Presenting to you this morning are Scott Thomson, Scotiabank’s President and Chief Executive Officer; Raj Viswanathan, our Chief Financial Officer; and Phil Thomas, our Chief Risk Officer.

Following our comments, we will be glad to take your questions. Also present to take questions are the following Scotiabank executives: Aris Bogdaneris from Canadian Banking; Jacqui Allard from Global Wealth Management; Francisco Aristeguieta from International Banking; and Travis Machen from Global Banking and Markets.

Before we start and on behalf of those speaking today, I will refer you to Slide 2 of our presentation, which contains Scotiabank’s caution regarding forward-looking statements. With that, I will now turn the call over to Scott.

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