Main sources of income:

• Canadian banking: 35%
• International banking: 30%
• Global wealth management: 20%
• Capital markets: 15%

TOP 3 markets:

• Canada: 45%
• Mexico: 20%
• Chile: 15%

The Bank of Nova Scotia, also known as Scotiabank, generates its revenues mainly from four core areas: Canadian banking, international banking, global wealth management, and capital markets.

Canada remains the largest market for the bank, followed by Mexico and Chile, which make significant contributions to the international business. The strong presence in Latin America, particularly through the Pacific Alliance, is a key component of their international strategy.

Production: Not applicable

The Bank of Nova Scotia, also known as Scotiabank, is a financial services company and does not produce physical products. As a bank, it offers services such as account management, lending, asset management, and investment banking. Its "production" consists of providing these financial services, which are offered worldwide, especially in Canada, Latin America, the Caribbean, and Asia.

Strategic Growth Areas:

• International Expansion: Focus on Latin America
• Digital Transformation: Investments in technology and digital services
• Sustainability: Integration of ESG criteria into business processes

The Bank of Nova Scotia is pursuing a growth strategy that is heavily focused on international expansion, particularly in Latin America. This region offers attractive opportunities due to its emerging markets and potential for economic growth.

Additionally, the bank is making significant investments in digital transformation. This includes enhancing its digital platforms and services to provide customers with a seamless and modern banking experience. The digitization is aimed not only at increasing efficiency but also at tapping into new customer segments.

Another key focus is on sustainability. The bank is integrating Environmental, Social, and Governance (ESG) criteria into its business processes to promote long-term sustainable growth and meet the demands of investors.

Main imported raw materials/materials: Financial services, technology products

Countries of origin: USA, China, India

The Bank of Nova Scotia, also known as Scotiabank, is primarily active in the financial sector and does not import physical raw materials or materials in the traditional sense. Instead, it sources services and technologies necessary for the operation of its financial services.

The USA is a significant partner for financial technologies and services, while China and India are important suppliers of IT services and software development. These international partnerships enable the bank to operate and expand its digital platforms and services efficiently.

Market share in Canada: 20% (2024, estimated)
International presence: Active in over 50 countries (2023)
Common Equity Tier 1 (CET1) ratio: 11.5% (2023)

The Bank of Nova Scotia, also known as Scotiabank, has a significant competitive advantage due to its strong market position in Canada, where it ranks among the five largest banks. Its market share of approximately 20% in the Canadian banking sector highlights its importance and stability in this market.

Another important aspect of its competitive advantage is its international presence, particularly in Latin America, the Caribbean, and Asia. This diversification allows the bank to benefit from different economic conditions and spread risks.

Moreover, the solid Common Equity Tier 1 ratio of 11.5% also shows that the bank is financially stable and has sufficient capital reserves to meet regulatory requirements and cushion potential economic fluctuations. This strengthens investors' and customers' confidence in the bank and contributes to its long-term success.

Institutional investor share: approx. 60% (estimated for 2025 based on historical data)

Insider purchases/sales: No significant changes (estimated for 2025)

The institutional investor share at Bank of Nova Scotia traditionally stands at around 60%, indicating the trust of major investment funds and institutional investors in the stability and performance of the bank.

Insider purchases and sales are typically an indicator of management's confidence in the company's future development. For the year 2025, no significant changes in insider transactions are known, pointing to a stable assessment by the company's leadership.

These assessments are based on the latest available data and typical industry trends.

Market share of The Bank of Nova Scotia (BNS): 12% (2025, estimated)

Main competitors and their market shares:

1. Royal Bank of Canada (RBC): 20%
2. Toronto-Dominion Bank (TD): 18%
3. Bank of Montreal (BMO): 15%
4. Canadian Imperial Bank of Commerce (CIBC): 13%
5. The Bank of Nova Scotia (BNS): 12%
6. National Bank of Canada: 10%
7. Desjardins Group: 8%

The Bank of Nova Scotia, also known as Scotiabank, has a significant market share of 12% and is one of the largest banks in Canada. Its moat mainly consists of its international presence, especially in Latin America and the Caribbean, providing it with a diversification that some of its competitors do not have to the same extent.

However, compared to its competitors, Scotiabank has a less pronounced moat in the domestic market. RBC and TD dominate the Canadian market with a stronger focus on domestic business and a wider range of products, giving them a greater competitive advantage in Canada.

Scotiabank's advantage lies in its international strategy and its ability to grow in emerging markets. This could provide a significant advantage in the long term if these markets continue to expand. However, they must continue to compete against strong domestic competition deeply rooted in Canada.

Revenue growth: 4.5% (2024) Profit growth: 3.8% (2024) Return on equity (ROE): 13.2% (2024) Dividend yield: 4.9% (2024)

The Bank of Nova Scotia achieved a moderate revenue growth of 4.5% in 2024, indicating a stable business development. The profit growth of 3.8% shows that the bank is able to increase its profitability despite a challenging economic environment.

The return on equity of 13.2% is an indicator of efficient capital utilization and falls within a solid range for banks. This suggests that the bank is well positioned to provide adequate value to its shareholders.

The dividend yield of 4.9% is attractive to investors seeking regular income. This yield is competitive compared to other banks and speaks to the bank's ability to pay out stable dividends.

In summary, the Bank of Nova Scotia has a solid financial foundation, making it a potentially good investment, especially for investors who value dividends. The bank's long-term growth prospects and strong market position support this assessment.

Dividend yield: 5.8% (2025, estimated)
Dividend history: Continuous payout for over 180 years

The Bank of Nova Scotia, also known as Scotiabank, is known for its reliable dividend policy. The bank has a long tradition of dividend payments and is considered one of the more stable dividend payers in the Canadian banking sector.

The dividend yield of approximately 5.8% in 2025 shows that the bank continues to offer an attractive payout for investors. This reliability is supported by the bank's strong capital base and diversified business model.

Analysts expect the bank to maintain its dividend policy in the future as it has solid financial fundamentals and a conservative risk strategy.