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Operating Segments (Tables) | 12 Months Ended
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Oct. 31, 2025
Text Block [Abstract] |
Schedule of Operating Segments | Scotiabank’s results, and average assets and liabilities, allocated by these operating segments, are as follows:
For the year ended October 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Taxable equivalent basis ($ millions) |  | Canadian Banking |  |  | International Banking |  |  | Global Wealth Management |  |  | Global Banking and Markets |  |  | Other (1) |  |  | Total |
Net interest income ( 2 ) |  | $ | 10,484 |  |  | $ | 8,866 |  |  | $ | 1,025 |  |  | $ | 1,400 |  |  | $ | (253 | ) |  | $ | 21,522 |
Non-interest income ( 3 )( 4 ) |  |  | 2,941 |  |  |  | 3,177 |  |  |  | 5,403 |  |  |  | 4,766 |  |  |  | (68 | ) |  |  | 16,219 |
Total revenues |  |  | 13,425 |  |  |  | 12,043 |  |  |  | 6,428 |  |  |  | 6,166 |  |  |  | (321 | ) |  |  | 37,741 |
Provision for credit losses |  |  | 2,293 |  |  |  | 2,309 |  |  |  | 14 |  |  |  | 97 |  |  |  | 1 |  |  |  | 4,714 |
Depreciation and amortization |  |  | 552 |  |  |  | 483 |  |  |  | 189 |  |  |  | 259 |  |  |  | 121 |  |  |  | 1,604 |
Other non-interest expenses |  |  | 5,853 |  |  |  | 5,681 |  |  |  | 3,955 |  |  |  | 3,304 |  |  |  | 2,121 |  |  |  | 20,914 |
Income tax expense |  |  | 1,302 |  |  |  | 781 |  |  |  | 590 |  |  |  | 585 |  |  |  | (507 | ) |  |  | 2,751 |
Net income |  | $ | 3,425 |  |  | $ | 2,789 |  |  | $ | 1,680 |  |  | $ | 1,921 |  |  | $ | (2,057 | ) |  | $ | 7,758 |
Net income attributable to non-controlling interests in subsidiaries |  |  | – |  |  |  | 158 |  |  |  | 10 |  |  |  | (1 | ) |  |  | (198 | ) |  |  | (31 | )
Net income attributable to equity holders of the Bank |  | $ | 3,425 |  |  | $ | 2,631 |  |  | $ | 1,670 |  |  | $ | 1,922 |  |  | $ | (1,859 | ) |  | $ | 7,789 |
Average assets ($ billions) |  |  | 463 |  |  |  | 227 |  |  |  | 38 |  |  |  | 509 |  |  |  | 228 |  |  |  | 1,465 |
Average liabilities ($ billions) |  |  | 382 |  |  |  | 175 |  |  |  | 48 |  |  |  | 520 |  |  |  | 254 |  |  |  | 1,379 |
(1) | Includes all other smaller operating segments and corporate adjustments.
(2) | Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure.
(3) | Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets.
( 4 ) | Includes net income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $19; International Banking – $152; Global Banking and Markets – $1; and Other – $436.
For the year ended October 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Taxable equivalent basis ($ millions) |  | Canadian Banking (1) |  |  | International Banking (1) |  |  | Global Wealth Management (1) |  |  | Global Banking and Markets (1) |  |  | Other (1)(2) |  |  | Total |
Net interest income (3) |  | $ | 10,185 |  |  | $ | 8,867 |  |  | $ | 786 |  |  | $ | 1,102 |  |  | $ | (1,688 | ) |  | $ | 19,252 |
Non-interest income (4)(5) |  |  | 2,848 |  |  |  | 2,999 |  |  |  | 4,803 |  |  |  | 3,959 |  |  |  | (191 | ) |  |  | 14,418 |
Total revenues |  |  | 13,033 |  |  |  | 11,866 |  |  |  | 5,589 |  |  |  | 5,061 |  |  |  | (1,879 | ) |  |  | 33,670 |
Provision for credit losses |  |  | 1,691 |  |  |  | 2,285 |  |  |  | 27 |  |  |  | 47 |  |  |  | 1 |  |  |  | 4,051 |
Depreciation and amortization (6) |  |  | 568 |  |  |  | 568 |  |  |  | 187 |  |  |  | 258 |  |  |  | 179 |  |  |  | 1,760 |
Other non-interest expenses |  |  | 5,557 |  |  |  | 5,602 |  |  |  | 3,468 |  |  |  | 2,864 |  |  |  | 444 |  |  |  | 17,935 |
Income tax expense |  |  | 1,440 |  |  |  | 705 |  |  |  | 479 |  |  |  | 414 |  |  |  | (1,006 | ) |  |  | 2,032 |
Net income |  | $ | 3,777 |  |  | $ | 2,706 |  |  | $ | 1,428 |  |  | $ | 1,478 |  |  | $ | (1,497 | ) |  | $ | 7,892 |
Net income attributable to non-controlling interests in subsidiaries |  |  | – |  |  |  | 125 |  |  |  | 10 |  |  |  | – |  |  |  | (1 | ) |  |  | 134 |
Net income attributable to equity holders of the Bank |  | $ | 3,777 |  |  | $ | 2,581 |  |  | $ | 1,418 |  |  | $ | 1,478 |  |  | $ | (1,496 | ) |  | $ | 7,758 |
Average assets ($ billions) |  |  | 449 |  |  |  | 231 |  |  |  | 35 |  |  |  | 495 |  |  |  | 209 |  |  |  | 1,419 |
Average liabilities ($ billions) |  |  | 389 |  |  |  | 179 |  |  |  | 41 |  |  |  | 475 |  |  |  | 254 |  |  |  | 1,338 |
(1) | Effective Q1 2025, changes were made to the methodology used to allocate certain income, expenses and balance sheet items between business segments. Prior period results for each segment have been reclassified to conform with the current period’s methodology.
(2) | Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes for the year ended October 31, 2024 amounting to $55 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments.
( 3 ) | Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure.
( 4 ) | Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets.
( 5 ) | Includes net income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $(9); International Banking – $130; and Other – $77.
( 6 ) | Includes impairment charge on software and other intangible assets in the Other segment.
Summary of Bank's Financial Results by Geographic Region | The following table summarizes the Bank’s financial results by geographic region.
For the year ended October 31, 2025 ($ millions) |  | Canada |  |  | United States |  |  | Mexico |  |  | Peru |  |  | Chile |  |  | Colombia |  |  | Caribbean and Central America |  |  | Other International |  |  | Total |
Net interest income |  | $ | 11,378 |  |  | $ | 799 |  |  | $ | 2,405 |  |  | $ | 1,334 |  |  | $ | 1,993 |  |  | $ | 717 |  |  | $ | 1,931 |  |  | $ | 965 |  |  | $ | 21,522 |
Non-interest income (1) |  |  | 9,352 |  |  |  | 2,165 |  |  |  | 1,014 |  |  |  | 588 |  |  |  | 571 |  |  |  | 479 |  |  |  | 1,295 |  |  |  | 755 |  |  |  | 16,219 |
Total revenues (2) |  |  | 20,730 |  |  |  | 2,964 |  |  |  | 3,419 |  |  |  | 1,922 |  |  |  | 2,564 |  |  |  | 1,196 |  |  |  | 3,226 |  |  |  | 1,720 |  |  |  | 37,741 |
Provision for credit losses |  |  | 2,338 |  |  |  | 67 |  |  |  | 552 |  |  |  | 368 |  |  |  | 748 |  |  |  | 378 |  |  |  | 196 |  |  |  | 67 |  |  |  | 4,714 |
Non-interest expenses |  |  | 13,660 |  |  |  | 1,591 |  |  |  | 1,822 |  |  |  | 885 |  |  |  | 1,168 |  |  |  | 750 |  |  |  | 1,508 |  |  |  | 1,134 |  |  |  | 22,518 |
Income tax expense |  |  | 1,532 |  |  |  | 189 |  |  |  | 264 |  |  |  | 126 |  |  |  | 79 |  |  |  | 38 |  |  |  | 450 |  |  |  | 73 |  |  |  | 2,751 |
Net income |  |  | 3,200 |  |  |  | 1,117 |  |  |  | 781 |  |  |  | 543 |  |  |  | 569 |  |  |  | 30 |  |  |  | 1,072 |  |  |  | 446 |  |  |  | 7,758 |
Net income attributable to non-controlling interests in subsidiaries |  |  | (200 | ) |  |  | – |  |  |  | 23 |  |  |  | 7 |  |  |  | 7 |  |  |  | 9 |  |  |  | 123 |  |  |  | – |  |  |  | (31 | )
Net income attributable to equity holders of the Bank |  | $ | 3,400 |  |  | $ | 1,117 |  |  | $ | 758 |  |  | $ | 536 |  |  | $ | 562 |  |  | $ | 21 |  |  | $ | 949 |  |  | $ | 446 |  |  | $ | 7,789 |
Total average assets ($ billions) |  | $ | 899 |  |  | $ | 237 |  |  | $ | 60 |  |  | $ | 29 |  |  | $ | 55 |  |  | $ | 14 |  |  | $ | 38 |  |  | $ | 133 |  |  | $ | 1,465 |
Total average liabilities ($billions) |  | $ | 889 |  |  | $ | 187 |  |  | $ | 55 |  |  | $ | 22 |  |  | $ | 50 |  |  | $ | 14 |  |  | $ | 35 |  |  | $ | 127 |  |  | $ | 1,379 |
(1) | Includes net income from investments in associated corporations for Canada – $(12), United States – $362, Mexico – $9, Peru – $4, Chile – $7, Caribbean and Central America – $132, and Other International – $106.
(2) | Revenues are attributed to countries based on where services are performed or assets are recorded.
For the year ended October 31, 2024 (1) ($ millions) |  | Canada |  |  | United States |  |  | Mexico |  |  | Peru |  |  | Chile |  |  | Colombia |  |  | Caribbean and Central America |  |  | Other International |  |  | Total |
Net interest income |  | $ | 9,207 |  |  | $ | 664 |  |  | $ | 2,397 |  |  | $ | 1,422 |  |  | $ | 2,020 |  |  | $ | 690 |  |  | $ | 1,842 |  |  | $ | 1,010 |  |  | $ | 19,252 |
Non-interest income (2) |  |  | 8,535 |  |  |  | 1,578 |  |  |  | 1,032 |  |  |  | 546 |  |  |  | 455 |  |  |  | 486 |  |  |  | 1,180 |  |  |  | 606 |  |  |  | 14,418 |
Total revenues (3) |  |  | 17,742 |  |  |  | 2,242 |  |  |  | 3,429 |  |  |  | 1,968 |  |  |  | 2,475 |  |  |  | 1,176 |  |  |  | 3,022 |  |  |  | 1,616 |  |  |  | 33,670 |
Provision for credit losses |  |  | 1,701 |  |  |  | 28 |  |  |  | 380 |  |  |  | 501 |  |  |  | 626 |  |  |  | 561 |  |  |  | 150 |  |  |  | 104 |  |  |  | 4,051 |
Non-interest expenses |  |  | 11,207 |  |  |  | 1,309 |  |  |  | 1,867 |  |  |  | 869 |  |  |  | 1,143 |  |  |  | 794 |  |  |  | 1,454 |  |  |  | 1,052 |  |  |  | 19,695 |
Income tax expense |  |  | 1,002 |  |  |  | 146 |  |  |  | 280 |  |  |  | 140 |  |  |  | 119 |  |  |  | (49 | ) |  |  | 303 |  |  |  | 91 |  |  |  | 2,032 |
Net income |  |  | 3,832 |  |  |  | 759 |  |  |  | 902 |  |  |  | 458 |  |  |  | 587 |  |  |  | (130 | ) |  |  | 1,115 |  |  |  | 369 |  |  |  | 7,892 |
Net income attributable to non-controlling interests in subsidiaries |  |  | – |  |  |  | – |  |  |  | 24 |  |  |  | 3 |  |  |  | 42 |  |  |  | (50 | ) |  |  | 115 |  |  |  | – |  |  |  | 134 |
Net income attributable to equity holders of the Bank |  | $ | 3,832 |  |  | $ | 759 |  |  | $ | 878 |  |  | $ | 455 |  |  | $ | 545 |  |  | $ | (80 | ) |  | $ | 1,000 |  |  | $ | 369 |  |  | $ | 7,758 |
Total average assets ($ billions) |  | $ | 874 |  |  | $ | 218 |  |  | $ | 64 |  |  | $ | 27 |  |  | $ | 56 |  |  | $ | 14 |  |  | $ | 35 |  |  | $ | 131 |  |  | $ | 1,419 |
Total average liabilities ($billions) |  | $ | 854 |  |  | $ | 189 |  |  | $ | 59 |  |  | $ | 21 |  |  | $ | 53 |  |  | $ | 14 |  |  | $ | 32 |  |  | $ | 116 |  |  | $ | 1,338 |
(1) | Effective Q1 2025, changes were made to the methodology used to allocate certain income, expenses and balance sheet items between business segments. Prior period results for each segment have been reclassified to conform with the current period’s methodology.
(2) | Includes net income from investments in associated corporations for Canada – $(68), Mexico – $11, Peru – $4, Chile – $6, Caribbean and Central America – $109, and Other International – $136.
(3) | Revenues are attributed to countries based on where services are performed or assets are recorded.

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