Bank Of Nova Scotia · TSX:BNS
Bank Of Nova Scotia — The Bank of Nova Scotia — Q1 2026 Earnings Presentation
62 slides from Bank Of Nova Scotia's earnings presentation, Feb 24, 2026
Slide 1: Investor Presentation
Investor Presentation February 24, 2026 Meny Grauman, Senior Vice President (meny.grauman@scotiabank.com) Rebecca Hoang, Vice President (rebecca.hoang@scotiabank.com)
Slide 2: Caution Regarding Forward-Looking Statements
Caution Regarding Forward-Looking Statements Forward-looking Statements From time to time, our public communications include oral or dispositions, including obtaining regulatory approvals; critical accounting estimates and the written forward-looking statements. Statements of this type are included
Slide 3: Opening Remarks
Opening Remarks Scott Thomson President & CEO 3
Slide 4: All Bank Highlights
All Bank Highlights • Medium-term objectives met VALUE-OVER-VOLUME NORTH AMERICAN FOCUS o EPS growth: up 161% Y/Y; adjusted1 up 16% Y/Y Risk Adjusted 82% of Q1/26 earnings3 Margin1 from North America o Strong capital position: 13.3% CET13 +20 bps Y/Y Other o Positive operating leverage Peru 6% 6% Ch
Slide 5: Achieving Medium-Term Objective of 14%+ ROE in 2027
Achieving Medium-Term Objective of 14%+ ROE1 in 2027 • ROE expansion expected across all business segments, with the largest contribution coming from Canadian Banking • Strong ROE expansion as we 15-20 bps 14%+ continue to execute on our 10-30 bps strategy: 55-65 bps o Risk adjusted margin expansion
Slide 6: Business Line Highlights
Business Line Highlights • Canadian Banking: STRATEGIC HIGHLIGHTS o Pre-tax pre-provision1 earnings up 6% Q/Q o NIM1 up 2 bps Q/Q, 3rd sequential increase Earn primary Grow and scale in o Productivity ratio2 of 46%; Y/Y improvement of 130 client relationships priority businesses bps • Client engagem
Slide 7: Q1/26 Overview
Q1/26 Overview Raj Viswanathan Group Head & CFO 7
Slide 8: Q1 2026 Financial Performance
Q1 2026 Financial Performance Y/Y Y/Y HIGHLIGHTS (ex. $MM, except EPS Q1/26 Y/Y Q/Q Divestitures1,2) • Diluted EPS up 161%; adjusted2 up 16% Reported o Strong PTPP1 growth partly offset by higher taxes Net Income 2,299 131% 4% 135% • Revenues up 3%; adjusted2 up 11% ex. divestitures Diluted EPS 1.73
Slide 9: Strong Capital Position
Strong Capital Position Q/Q CHANGE IN CET1 RATIO (%)1 • The CET1 ratio of 13.3%, increased by ~10 basis points Q/Q: • Internal capital generation (+7 bps), benefit of sale of Colombia, Costa Rica and Panama subsidiaries net of investment in Davivienda (+15 bps), and higher unrealized FVOCI2 securiti
Slide 10: Canadian Banking
Canadian Banking $MM Q1/26 Y/Y Q/Q Y/Y HIGHLIGHTS Reported • Net Income up 5% Net Income1 960 5% 2% o PTPP2 up 5%, partly offset by higher PCLs Revenue 3,514 3% 3% • Revenue up 3% (up 3% Q/Q) Expenses 1,615 0% 0% Pre-Tax, Pre-Provision Profit2 1,899 5% 6% o Net interest income up 3% from loan growth
Slide 11: Global Wealth Management
Global Wealth Management $MM Q1/26 Y/Y Q/Q Y/Y HIGHLIGHTS Reported • Net Income up 18% Net Income1 481 18% 8% Revenue 1,801 14% 6% o Canadian earnings up 18% Expenses 1,146 12% 5% o International earnings up 18% Pre-Tax, Pre-Provision Profit2 655 18% 7% • Revenue up 14% PCLs 4 (1%) (15%) o Higher mu
Slide 12: Global Banking and Markets
Global Banking and Markets $MM Q1/26 Y/Y Q/Q Y/Y HIGHLIGHTS Reported • Net Income up 5% Net Income1 545 5% 5% • Revenue up 11% Revenue 1,768 11% 12% o Capital Markets up 19% Expenses 1,012 14% 13% o Business Banking up 2% Pre-Tax, Pre-Provision Profit2 756 8% 10% • Expenses up 14% PCLs 60 100%+ 100%
Slide 13: International Banking
International Banking Constant dollar CFX Ex. Y / Y H I G H L I G H T S ( C O N S T A N T D O L L A R 2) basis2 divestitures2 $MM Q1/26 Y/Y Q/Q Y/Y Q/Q Y/Y Q/Q • Net Income up 5%; up 8% ex. divestitures Reported o Strong PTPP2 growth, partly offset by higher PCLs and taxes Net Income1 717 10% 13% 5%
Slide 14: Other
Other REPORTED NET LOSS1 ($MM) HIGHLIGHTS • Reported net loss of $416 million • Adjusted2 net loss of $41 million, down $7 million Q/Q o Higher taxes, partly offset by lower non- (322) interest expenses and higher revenue (416) (1,341) Q1/25 Q4/25 Q1/26 ADJUSTED NET LOSS2 ($MM) (34) (41) (177) Q1/25
Slide 15: Risk Review
Risk Review Shannon McGinnis Chief Risk Officer 15
Slide 16: Allowance for Credit Losses
Allowance for Credit Losses TOTAL ACLS1 ($MM) AND ACL RATIO2 HIGHLIGHTS • Total ACL ratio of 94 bps, down 4 bps Q/Q 95 bps 96 bps 98 bps • Ex. Divestiture, ACL ratio up 2 bps Q/Q 91 bps 94 bps o Performing down $415 MM Q/Q 7,386 7,654 7,080 7,276 7,185 o -$496 MM from divestitures o +$65 MM of perfo
Slide 17: Gross Impaired Loans and Net Write-offs
Gross Impaired Loans and Net Write-offs GILS ($MM) AND GIL RATIO1 GIL FORMATIONS ($MM) 93 bps 95 bps 91 bps 90 bps 90 bps 2,383 2,447 2,483 40 2,553 7 2,285 17 5 17 231 109 178 157 25 72 7,244 7,248 91 7,064 6,849 6,890 92 79 71 83 86 158 43 58 259 1,106 1,042 1,063 948 108 2,248 2,013 1,050 2,245 2
Slide 18: Provision for Credit Losses
Provision for Credit Losses $MM Q/Q HIGHLIGHTS $MM Q1/25 Q2/25 Q3/25 Q4/25 Q1/26 All-Bank • Total PCL ratio1 of 61 bps, up 3 bps Q/Q Impaired 1,064 1,052 975 1,042 1,103 o Performing of 3 bps, down 1 bp Q/Q Performing 98 346 66 71 73 o Impaired of 58 bps, up 4 bps Q/Q Total 1,162 1,398 1,041 1,113 1
Slide 19: Appendix
1 2 Appendix 3 4 5 19
Slide 20: All Bank: Impact of Closed Divestitures
All Bank: Impact of Closed Divestitures1 • On December 1, 2025, the Bank completed the previously announced sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda Group S.A. o The transaction impacted both International Banking and Global Wealth Management • On February 28,
Slide 21: International Banking: Impact of Closed Divestitures
International Banking: Impact of Closed Divestitures1 • On December 1, 2025, the Bank completed the previously announced sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda Group S.A. • On February 28, 2025, the Bank completed the sale of CrediScotia Financiera S.A. (Cred
Slide 22: Strong Balance Sheet Metrics
Strong Balance Sheet Metrics $Bn (unless indicated otherwise) Q1/25 Q4/25 Q1/26 Y/Y Capital Metrics CET1 Ratio1 12.9% 13.2% 13.3% 40 bps Tier 1 Capital Ratio1 15.1% 15.3% 15.4% 30 bps 1 Total Capital Ratio 16.8% 17.1% 17.0% 20 bps 2 TLAC Ratio 28.8% 29.1% 28.6% (20 bps) Leverage Ratio3 4.4% 4.5% 4.4
Slide 23: Net Interest Income and Net Interest Margin
Net Interest Income and Net Interest Margin CORE NET INTEREST MARGIN (NIM)1 HIGHLIGHTS • Net interest income (NII) 3 bps 1 bp 1 bp 3 bps o Q/Q: flat; up 3% ex. divestitures • Higher NIM, and the positive impact of FX (3 bps) o Y/Y: up 8%; up 13% ex. divestitures • Higher NIM, and the positive impact
Slide 24: Risk Adjusted Margin and NIM
Risk Adjusted Margin and NIM RISK ADJUSTED MARGIN (RAM)1 NET INTEREST MARGIN (NIM)1 3.39% 3.41% 3.35% 3.34% 4.50% 4.54% 4.54% 4.54% 4.40% 3.18% 1.93% 1.94% 1.95% 2.40% 2.45% 2.31% 2.36% 1.84% 2.23% 1.86% 2.32% 1.72% 1.89% 1.87% 1.83% 2.31% 2.27% 2.29% 2.30% 1.75% 1.58% 1.82% 2.14% 1.70% 1.91% 1.58%
Slide 25: Interest Rate Sensitivity and Outlook
Interest Rate Sensitivity and Outlook NET INTEREST INCOME SENSITIVITY1 POLICY RATE CHANGE AND OUTLOOK3 • Impact of an immediate and sustained 100 bps parallel shift on Policy net interest income (NII) over a 12-month period Rate Change by BNS Fiscal Quarters (bps) Current Forecast Policy Rate rate o
Slide 26: KeyCorp Earnings Contribution
KeyCorp Earnings Contribution KEYCORP $MM (unless otherwise stated) Q2/25 Q3/25 Q4/254 Q1/26 Financial Statement Line 1 BNS share of KeyCorp Earnings 78 80 94 98 Income from Investments in Associate Purchase Accounting Impact, pre-tax2 24 23 23 24 Income from Investments in Associate Equity pick-up,
Slide 27: GDP in Core Markets
GDP in Core Markets REAL GDP (ANNUAL % CHANGE) Forecast1 2010-20 2026 2027 Country 2023 2024 2025E2 Average Q1F Q2F Q3F Q4F Full Year Q1F Q2F Q3F Q4F Full Year Canada 1.6 2.0 2.0 1.6 0.7 1.7 1.5 2.2 1.5 2.1 2.0 2.1 2.0 2.0 U.S. 2.0 2.9 2.8 2.2 2.8 2.1 1.3 1.5 1.9 1.5 1.8 2.2 2.4 2.0 Mexico 1.4 3.1 1
Slide 28: Digital Progress
Digital Progress DIGITAL PROGRESS CANADIAN BANKING Canadian Banking D I G I T A L U N I T A C T I V E D I G I T A L D I G I T A L A C T I V E M O B I L E S A L E S ( % ) U S E R S ( M M ) A D O P T I O N ( % ) U S E R S ( M M ) • Q1 Digital investments anchored on streamlining key servicing journeys
Slide 29: Revenue Growth
Revenue Growth CANADIAN BANKING1 INTERNATIONAL BANKING1 in $MM in $MM Constant FX ex. divestiture2: +4% Y/Y +3% (2%) (70%) 3,412 3,407 3,514 3,030 3,051 2,961 Y/Y 1% 426 385 127 9 (66%) 932 893 941 9 Y/Y Y/Y 9 569 569 562 0% Y/Y 4% 2,480 2,514 2,573 Y/Y 2,026 2,095 2,256 0% Y/Y Q1/25 Q4/25 Q1/26 Q1/
Slide 30: Non-Interest Expense
Non-Interest Expense NON-INTEREST EXPENSE HIGHLIGHTS $MM Q1/26 Y/Y Q/Q Y/Y Salaries and Benefits1 1,983 2% (1%) • Reported down 18% Performance-based Compensation 740 21% 2% • Adjusted3 up 3%; up 7% ex. divestitures Share-based Compensation 218 36% 182% o Higher performance and stock-based compensat
Slide 31: Average Loans by Business Line
Average Loans by Business Line CANADIAN BANKING1 INTERNATIONAL BANKING1 GLOBAL BANKING AND MARKETS in $Bn in $Bn Constant FX ex. divestitures2: (1%) Y/Y in $Bn +3% (5%) (12%) 457 464 470 168 168 160 94 93 94 10 10 9 74 86 82 74 74 78 103 8 9 8 93 91 20 21 19 279 287 293 54 56 55 Q1/25 Q4/25 Q1/26 Q1
Slide 32: Average Business Banking Loans
Average Business Banking Loans CANADIAN BANKING3 INTERNATIONAL BANKING3 GLOBAL BANKING AND MARKETS in $Bn In $Bn Constant FX1 ex. divestitures: (11%) Y/Y in $Bn (1%) (9%) (12%) 94 93 94 94 93 103 86 85 96 94 93 82 82 91 78 24 22 22 20 (16%) 20 Y/Y 60 59 59 58 58 (3%) Y/Y 55 54 53 53 (8%) 50 Y/Y 79 (
Slide 33: Deposits
Deposits AVERAGE DEPOSITS BY SEGMENT6 Q1/26 AVERAGE DEPOSIT MIX in $Bn CB IB GBM GWM Notice - Term - Business 2 Business 3 730 727 736 733 9% 706 17% 682 Demand- Personal 1 6% 378 381 375 372 340 367 Demand - $733 Bn 1 Business Notice - 125 130 127 134 126 130 34% Personal 2 17% 182 172 176 179 177
Slide 34: Macroeconomic Scenarios
Macroeconomic Scenarios SELECT MACROECONOMIC VARIABLES USED TO ESTIMATE EXPECTED CREDIT LOSSES Alternative Scenario – Alternative Scenario – Alternative Scenario – Next 12 Months Base Case Scenario Optimistic Pessimistic Very Pessimistic Q1/26 Q4/25 Q1/26 Q4/25 Q1/26 Q4/25 Q1/26 Q4/25 Canada Real GD
Slide 35: Macroeconomic Scenarios
Macroeconomic Scenarios The following charts provide a quarterly breakdown of key macroeconomic variables used for our base case scenarios to calculate the modelled estimate for the allowance for credit losses. CANADA REAL GDP U.S. REAL GDP 3.0 29.0 CAD, trillions (ch. $2017) USD, trillions (ch. $20
Slide 36: PCL on Impaired Loans
PCL on Impaired Loans1 ALL BANK ($MM, BPS) CANADIAN BANKING ($MM, BPS) 55 bps 57 bps 54 bps 58 bps 51 bps 43 bps 44 bps 47 bps 39 bps 41 bps 1,064 1,103 1,052 1,042 487 488 553 975 447 472 Q1/25 Q2/25 Q3/25 Q4/25 Q1/26 Q1/25 Q2/25 Q3/25 Q4/25 Q1/26 • All Bank impaired PCLs were up 4 bps Q/Q • CB imp
Slide 37: Canadian Retail Portfolio
Canadian Retail Portfolio COMMENTARY PCLS BY PRODUCT • Total Canadian retail loans of $403 Bn 15 MORTGAGES o ~53% of total gross loans and acceptances 6 5 6 4 4 o ~94% of the portfolio is secured 3 2 • Portfolio 90+ day delinquency was 39 bps, up 5 bps Q/Q, with increases seen 3 4 4 4 3 across produ
Slide 38: Canadian Residential Mortgages
Canadian Residential Mortgages LOAN-TO-VALUE2 in $Bn (Spot)1 Insured Variable 23% 35% 58% 58% 57% 57% 57% $315 $315 55% 54% 52% 52% 52% Uninsured Fixed 77% 65% Q1/25 Q2/25 Q3/25 Q4/25 Q1/26 Total Variable Asset yields on variable rate mortgages reprice with each change to Scotiabank’s prime rate UNI
Slide 39: Canadian Residential Mortgages
Canadian Residential Mortgages MORTGAGE PORTFOLIO1 in $Bn (Spot) Freehold Condos 174.5 Freehold 26.9 82% 64.4 $315 147.6 21.0 32.5 21.7 4.0 3.3 12.2 0.3 9.4 0.7 43.4 28.5 Condo 18.4 11.9 8.7 18% Ontario BC & Territories Alberta Quebec Atlantic Provinces Manitoba & Saskatchewan % of portfolio 55.5% 2
Slide 40: International Banking Retail Portfolio
International Banking Retail Portfolio COMMENTARY PCLS BY COUNTRY • Total International retail loans of $79 Bn MEXICO o ~11% of total gross loans and acceptances 231 211 208 185 201 204 o ~77% of the portfolio is secured 128 129 • Portfolio 90+ day delinquency was 3.31%, up 21 bps Q/Q, with increase
Slide 41: Business & Government Portfolio
Business & Government Portfolio COMMENTARY GROSS IMPAIRED LOANS AND PCL RATIO1 • Total Business and Government loans of $270 Bn 45 39 33 35 o Representing 51% of total gross loans and acceptances 29 o B&G portfolio is well-diversified by industry and geography 3,333 3,210 3,183 3,270 3,230 o 47% Can
Slide 42: Commercial Real Estate
Commercial Real Estate Portfolio comprised of Commercial Real Estate, and Contractor loans which include Engineering & Project Management and Trade Contractors SPOT LOANS OUTSTANDING1 HIGHLIGHTS Q1/25 Q4/25 Q1/26 • ~7.6% of the Bank’s total loans Total Portfolio: $58.1Bn Y/Y: (-10%) • Geographically
Slide 43: Trading Revenue and VaR
Trading Revenue and VaR1 NO TRADING LOSS DAY (Q1/26) 3-months ending January 31, 2026 Average Total VaR: (in millions) Q1/26: $ 11.2 MM Q4/25: $ 10.1 MM Q1/25: $ 17.1 MM 60 50 40 30 20 10 0 Nov 3, 2025 Dec 1, 2025 Jan 2, 2026 Jan 31,30, Jan 2026 2026 -10 -20 Revenue Total VaR 1. Refer to Glossary on
Slide 44: International Banking: Mexico
International Banking: Mexico1 MEXICO $MM (unless otherwise specified) Reported Basis Reported Basis (Constant FX)2 Q1/25 Q4/25 Q1/26 Y/Y Q/Q Q1/25 Q4/25 Q1/26 Y/Y Q/Q Revenue 751 826 882 18% 7% 816 845 882 8% 4% Expenses 395 437 448 13% 3% 429 447 448 4% 0% Provision for Credit Losses 128 141 153 2
Slide 45: International Banking: Chile
International Banking: Chile1 CHILE $MM (unless otherwise specified) Reported Basis Reported Basis (Constant FX)2 Q1/25 Q4/25 Q1/26 Y/Y Q/Q Q1/25 Q4/25 Q1/26 Y/Y Q/Q Revenue 608 642 659 8% 3% 642 674 659 3% (2%) Expenses 281 278 291 3% 5% 293 290 291 (1%) 0% Provision for Credit Losses 192 210 226 1
Slide 46: International Banking: Peru
International Banking: Peru1 PERU $MM (unless otherwise specified) Reported Basis Reported Basis (Constant FX)2 Q1/25 Q4/25 Q1/26 Y/Y Q/Q Q1/25 Q4/25 Q1/26 Y/Y Q/Q Revenue 500 394 458 (8%) 16% 537 407 458 (15%) 13% Expenses 204 208 201 (2%) (4%) 217 213 201 (8%) (6%) Provision for Credit Losses 112
Slide 47: International Banking: Caribbean
International Banking: Caribbean1 CARIBBEAN $MM (unless otherwise specified) Reported Basis Reported Basis (Constant FX)2 Q1/25 Q4/25 Q1/26 Y/Y Q/Q Q1/25 Q4/25 Q1/26 Y/Y Q/Q Revenue 569 562 569 0% 1% 549 561 569 3% 1% Expenses 292 269 297 1% 11% 284 268 297 4% 11% Provision for Credit Losses 34 29 2
Slide 48: Impact of Foreign Currency Translation
Impact of Foreign Currency Translation The table below reflects the estimated impact of foreign currency translation on key income statement items and is computed on a basis that is different than the “Constant dollar” table in Non-GAAP Measures on page 49 to 61. Average Exchange Rate Q1/25 Q4/25 Q1
Slide 49: Non-GAAP Measures
1 2 Non-GAAP Measures 3 4 5 49
Slide 50: Non-GAAP Measures
Non-GAAP Measures The Bank uses a number of financial measures and ratios to assess its performance, as well as the performance of its operating segments. Some of these financial measures and ratios are presented on a non-GAAP basis and are not calculated in accordance with Generally Accepted Accoun
Slide 51: Non-GAAP Reconciliations
Non-GAAP Reconciliations Three months ending January 31, 2026 October 31, 2025 January 31, 2025 Global Wealth Global Wealth Global Wealth $MM (unless indicated otherwise) Other All Bank Other All Bank Other All Bank Management Management Management Reported Results Total revenue 1,801 (398) 9,646 1,
Slide 52: Non-GAAP Reconciliations
Non-GAAP Reconciliations Footnotes 1. These costs relate to the amortization of intangible assets recognized upon the acquisition of businesses, excluding software. The costs are recorded in non-interest expenses – depreciation and amortization for the Canadian Banking, International Banking and Glo
Slide 53: Non-GAAP Reconciliations
Non-GAAP Reconciliations ($MM, unless otherwise specified) Q1/25 Q4/25 Q1/26 Calculation of Reported and Adjusted Earnings per Share Reported Results Net Income Attributable to Common Shareholders Net Income attributable to common shareholders 1,025 2,104 2,155 Dilutive impact of share-based payment
Slide 54: Non-GAAP Reconciliations
Non-GAAP Reconciliations ($MM) Q1/25 Q4/25 Q1/26 Return on Equity and Return on Tangible Common Equity Reported Average common equity – Reported1 74,077 76,093 77,288 Average goodwill1,2 (9,539) (9,917) (9,984) Average acquisition-related intangibles (net of deferred tax)1 (3,597) (3,558) (3,545) Av
Slide 55: Non-GAAP Reconciliations
Non-GAAP Reconciliations All Bank International Banking Q1/25 Q4/25 Q1/26 Q1/25 Q4/25 Q1/26 Net Interest Margin Average core earning assets1 954,499 949,382 939,927 196,779 196,432 188,010 Less: Average core earning assets from divested operations 20,368 20,585 6,960 20,101 20,307 6,850 Average core
Slide 56: Non-GAAP Reconciliations
Non-GAAP Reconciliations All Bank Q1/25 Q4/25 Q1/26 Reported to Adjusted Results – All Bank ex. divestitures Net interest income 5,173 5,586 5,582 Non-interest income 4,199 4,217 4,064 Total revenue 9,372 9,803 9,646 Provision for credit losses 1,162 1,113 1,176 Non-interest expenses 6,491 5,828 5,2
Slide 57: Non-GAAP Reconciliations
Non-GAAP Reconciliations $MM For the three months ended October 31, 2025 January 31, 2025 Foreign Constant Foreign Constant Reported Reported Exchange Dollar Exchange Dollar International Banking – Constant Dollar Reported Net interest income 2,273 (62) 2,335 2,169 (112) 2,281 Non-interest income 77
Slide 58: Non-GAAP Reconciliations
Non-GAAP Reconciliations $MM (unless specified otherwise) Q1/25 Q2/25 Q3/25 Q4/25 Q1/26 Net Interest Margin and Risk Adjusted Margin - All Bank Average total assets1 1,460,615 1,468,310 1,445,858 1,486,529 1,497,957 Less: Non-earning assets 115,155 118,403 114,263 115,239 120,352 Average total earni
Slide 59: Non-GAAP Reconciliations
Non-GAAP Reconciliations $MM (unless specified otherwise) Q1/25 Q2/25 Q3/25 Q4/25 Q1/26 Net Interest Margin and Risk Adjusted Margin - International Banking Average total assets1 228,877 229,118 223,347 226,015 219,139 Less: Non-earning assets 14,883 13,917 13,442 13,134 13,644 Average total earning
Slide 60: Non-GAAP Reconciliations
Non-GAAP Reconciliations $MM (unless otherwise specified) Mexico Chile Peru Caribbean Q1/25 Q4/25 Q1/26 Q1/25 Q4/25 Q1/26 Q1/25 Q4/25 Q1/26 Q1/25 Q4/25 Q1/26 Net Interest Margin and Risk Adjusted Margin Average total assets2 62,769 65,257 68,194 64,796 63,843 66,263 30,162 30,806 32,117 27,413 27,09
Slide 61: Non-GAAP Reconciliations
Non-GAAP Reconciliations $MM unless otherwise specified Mexico Peru Chile Caribbean Other Total IB Total IB Return on Tangible Common Equity Goodwill & Attributed Average Tangible Common Equity Intangibles Capital Q1/26 4,088 2,204 4,501 1,986 2,035 14,814 3,022 17,836 Q4/25 4,027 2,097 4,319 1,857
Slide 62: Glossary – Other Financial Measures
Glossary – Other Financial Measures The ratio of period end total allowance for credit losses (excluding debt securities and deposits with financial institutions) divided by gross loans and Allowance for Credit Losses (ACL) Ratio acceptances. Assets administered by the Bank which are beneficially ow
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