The Bank of Nova Scotia (BNS) quarterly income statement — complete revenue, gross profit & net income history
The Bank of Nova Scotia (BNS) annual income statement — 30-year revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Net Interest Income | 5.87B | 5.52B | 5.58B | 5.59B | 5.49B | 5.27B | 5.17B | 4.92B | 4.86B | 4.69B | 4.77B | 4.67B | 4.57B | 4.46B | 4.56B | 4.62B | 4.68B | 4.47B | 4.34B | 4.22B |
| NII Growth % | 6.84% | 4.76% | 7.91% | 13.47% | 12.98% | 12.27% | 8.38% | 5.37% | 6.32% | 5.25% | 4.6% | 1.08% | -2.2% | -0.29% | 5.04% | 9.6% | 10.88% | 7.11% | -0.16% | -0.96% |
| Net Interest Margin % | 0.38% | 0.36% | 0.38% | 0.38% | 0.39% | 0.37% | 0.36% | 0.35% | 0.35% | 0.34% | 0.34% | 0.33% | 0.33% | 0.32% | 0.33% | 0.34% | 0.36% | 0.35% | 0.35% | 0.36% |
| Interest Income | 14.03B | 13.1B | 13.33B | 14.21B | 14.12B | 14.29B | 14.98B | 15.32B | 15.68B | 15.21B | 15.44B | 15.11B | 14.69B | 13.87B | 13.16B | 11.12B | 8.88B | 7.09B | 6.46B | 6.19B |
| Interest Expense | 8.17B | 7.57B | 7.75B | 8.63B | 8.63B | 9.02B | 9.81B | 10.4B | 10.82B | 10.52B | 10.67B | 10.44B | 10.11B | 9.4B | 8.59B | 6.5B | 4.21B | 2.62B | 2.12B | 1.97B |
| Loan Loss Provision | 1.08B | 1.22B | 1.18B | 1.11B | 1.04B | 1.4B | 1.16B | 1.03B | 1.05B | -10.52B | -10.67B | -10.44B | -10.11B | -9.4B | -8.59B | -6.5B | -4.21B | -2.62B | -2.12B | -1.97B |
| Non-Interest Income | 4.45B | 4.09B | 4.3B | 3.99B | 3.84B | 3.66B | 4.09B | 3.56B | 3.59B | 3.35B | -7.05B | -7.19B | -6.65B | -6B | -5.19B | -3.54B | -1.13B | 766M | 1.5B | 1.41B |
| Non-Interest Income % | 43.12% | 42.58% | 43.5% | 41.68% | 41.12% | 40.99% | 44.13% | 41.98% | 42.48% | 41.65% | 309.43% | 285.84% | 319.75% | 388.67% | 825.44% | -327.57% | -31.87% | 14.62% | 25.6% | 24.99% |
| Total Net Revenue | 10.32B | 9.62B | 9.88B | 9.58B | 9.33B | 8.93B | 9.26B | 8.48B | 8.45B | 8.04B | -2.28B | -2.51B | -2.08B | -1.54B | -629M | 1.08B | 3.55B | 5.24B | 5.84B | 5.62B |
| Revenue Growth % | 10.6% | 7.67% | 6.71% | 12.89% | 10.36% | 11% | 506.27% | 437.51% | 506.2% | 620.71% | -262.32% | -332.56% | -158.69% | -129.49% | -110.77% | -80.77% | -38.86% | -6.65% | -0.26% | 10.89% |
| Non-Interest Expense | 5.33B | 4.97B | 5.53B | 5.6B | 4.93B | 4.96B | 6.38B | 8.48B | 8.45B | 976M | -5.68B | -6.43B | -5.35B | 4.16B | 3.46B | 1.45B | -404M | -1.75B | -2.32B | -2.44B |
| Efficiency Ratio | 51.7% | 51.66% | 56% | 58.5% | 52.87% | 55.54% | 68.88% | 100% | 100% | 12.13% | 249.23% | 255.81% | 256.94% | -269.06% | -550.24% | 134.04% | -11.39% | -33.46% | -39.78% | -43.47% |
| Operating Income | 3.94B | 3.43B | 3.17B | 2.86B | 3.36B | 2.57B | 1.72B | 0 | 2.07B | 31M | 2.71B | 1.49B | 2.69B | 12.02B | 11.43B | 9.03B | 7.35B | 6.11B | 5.63B | 5.15B |
| Operating Margin % | 38.22% | 35.68% | 32.1% | 29.88% | 35.97% | 28.8% | 18.57% | 0% | 24.52% | 0.39% | -118.78% | -59.35% | -129.17% | -778.12% | -1816.38% | 834.97% | 207.3% | 116.53% | 96.51% | 91.55% |
| Operating Income Growth % | 17.49% | 33.4% | 84.47% | - | 61.89% | 8196.77% | -36.5% | -100% | -22.88% | -99.74% | -76.31% | -83.47% | -63.43% | 96.92% | 102.75% | 75.36% | 44.62% | 19.26% | 8.97% | 10.95% |
| Pretax Income | 3.72B | 3.43B | 3.17B | 2.86B | 3.36B | 2.57B | 1.72B | 2.2B | 2.36B | 2.57B | 2.73B | 1.52B | 2.71B | 2.64B | 2.88B | 2.57B | 3.2B | 3.56B | 3.6B | 3.25B |
| Pretax Margin % | 36.04% | 35.68% | 32.1% | 29.88% | 35.97% | 28.8% | 18.57% | 25.93% | 27.95% | 31.97% | -119.88% | -60.58% | -130.18% | -171.13% | -457.55% | 237.56% | 90.13% | 68.03% | 61.72% | 57.77% |
| Income Tax | 957.47M | 799M | 872M | 656M | 829M | 540M | 726M | 511M | 451M | 537M | 533M | 138M | 497M | 485M | 1.11B | 475M | 602M | 817M | 864M | 689M |
| Effective Tax Rate % | 25.75% | 23.29% | 27.5% | 22.92% | 24.7% | 21% | 42.23% | 23.23% | 19.09% | 20.88% | 19.51% | 9.06% | 18.35% | 18.34% | 38.43% | 18.5% | 18.84% | 22.92% | 23.97% | 21.21% |
| Net Income | 2.91B | 2.6B | 2.29B | 2.22B | 2.45B | 1.98B | 1.15B | 1.64B | 1.88B | 2.07B | 2.17B | 1.35B | 2.17B | 2.12B | 1.72B | 2.06B | 2.54B | 2.67B | 2.65B | 2.49B |
| Net Margin % | 28.2% | 26.99% | 23.15% | 23.17% | 26.23% | 22.13% | 12.39% | 19.35% | 22.19% | 25.68% | -95.39% | -53.86% | -104.37% | -137.35% | -273.61% | 190.1% | 71.63% | 50.94% | 45.42% | 44.27% |
| Net Income Growth % | 18.9% | 31.33% | 99.39% | 35.14% | 30.44% | -4.36% | -47.24% | 21.27% | -13.63% | -2.64% | 26.32% | -34.11% | -14.49% | -20.49% | -35.11% | -17.44% | 3.21% | 12.81% | 14.9% | 36.23% |
| Net Income (Continuing) | 2.76B | 2.63B | 2.3B | 2.21B | 2.53B | 2.03B | 993M | 1.69B | 1.91B | 2.09B | 2.15B | 1.37B | 2.19B | 2.1B | 1.76B | 2.04B | 2.55B | 2.66B | 2.65B | 2.46B |
| EPS (Diluted) | 2.30 | 2.00 | 1.73 | 1.65 | 1.84 | 1.48 | 0.66 | 1.22 | 1.41 | 1.57 | 1.68 | 1.03 | 1.72 | 1.69 | 1.36 | 1.58 | 2.11 | 2.22 | 2.23 | 1.97 |
| EPS Growth % | 25% | 35.14% | 162.12% | 35.25% | 30.5% | -5.73% | -60.71% | 18.45% | -18.02% | -7.1% | 23.53% | -34.81% | -18.48% | -23.87% | -39.01% | -19.8% | 6.03% | 18.09% | 19.89% | 38.73% |
| EPS (Basic) | 2.30 | 2.01 | 1.75 | 1.66 | 1.84 | 1.48 | 0.67 | 1.23 | 1.43 | 1.59 | 1.70 | 1.03 | 1.74 | 1.70 | 1.37 | 1.64 | 2.13 | 2.23 | 2.26 | 1.98 |
| Diluted Shares Outstanding | 874.02M | 906.38M | 1.25B | 1.25B | 1.25B | 1.25B | 1.25B | 1.24B | 1.24B | 1.23B | 1.22B | 1.21B | 1.21B | 1.2B | 1.2B | 1.2B | 1.2B | 1.2B | 1.23B | 1.22B |