Welcome to our dedicated page for Bank Nova Scotia SEC filings (Ticker: BNS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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Bank of Nova Scotia is offering US$1,000,000,000 principal amount of NVCC subordinated notes maturing October 27, 2085. Interest accrues at 6.875% per annum from the Issue Date (October 8, 2025) until October 27, 2035, and thereafter resets each five years to the then-prevailing U.S. Treasury Rate plus 2.734%, as determined by the Calculation Agent. Interest is payable quarterly on January 27, April 27, July 27 and October 27, commencing January 27, 2026.
The notes feature a limited recourse structure: corresponding AT1 Notes (issued to a Limited Recourse Trust) back the notes and equal in principal to notes outstanding. If certain Recourse Events occur (including Failed Coupon/Principal Payment Dates or Trigger Events), noteholders’ sole remedy is delivery of their proportionate share of Corresponding Trust Assets, which may be AT1 Notes or Common Shares upon NVCC Automatic Conversion. The AT1 Notes are deeply subordinated, interest on AT1 Notes may be cancelled and the notes are not deposit-insured.
Bank of Nova Scotia is offering US-dollar denominated Non-Viability Contingent Capital (NVCC) subordinated notes (the "Notes") that mature in 2085 and have an Issue Date in 2025. Interest accrues at an initial fixed rate through 2035 and then resets every five years to a rate equal to the then-prevailing U.S. Treasury Rate plus a spread as determined by the Calculation Agent. Interest is payable quarterly beginning in 2026. The Notes are limited-recourse: upon certain Recourse Events (including Failed Coupon/Failed Principal Payment Dates, non-payment of the Redemption Price, an event of default or a Trigger Event) Noteholders' sole remedy is delivery of their proportionate share of Corresponding Trust Assets held in a Limited Recourse Trust (typically AT1 Notes or cash redemption proceeds).
The AT1 Notes serving as Corresponding Trust Assets are subordinated instruments that may be converted into Common Shares upon a Trigger Event (NVCC Automatic Conversion). AT1 interest may be cancelled at the Bank's discretion when AT1 Notes are not held by the Limited Recourse Trust, and AT1 Notes rank subordinate to Higher Ranked Indebtedness but ahead of Common and preferred shares in insolvency. The Bank may redeem Notes or AT1 Notes following certain Regulatory or Tax Events with Superintendent approval. The Notes are not deposit-insured. The prospectus discloses specific aggregate US-dollar amounts for fees/expenses and a total of US$6,825,996 in the identified schedule.
The Bank of Nova Scotia reports methodological and portfolio notes for the quarter ended July 31, 2025, including segment reclassifications, provisioning details and certain strategic and accounting actions. The bank reclassified prior period segment results to conform with a new allocation methodology effective Q1 2025. The filing discloses an impairment loss tied to the announced sale of banking operations in Colombia, Costa Rica and Panama and references Note 20 for details. Effective November 1, 2024, the bank suspended the discount to Average Market Price for dividend reinvestments, discontinued issuances of common shares from treasury under the plan, and will make purchases under the plan in the secondary market until further notice. The bank acquired an additional 10% ownership in KeyCorp on December 27, 2024, bringing total ownership to 14.9%, and reports the market value of that investment as $4,044 at July 31, 2025. The filing also discloses various balances and risk-related figures: deposits by currency, fair value disclosures for transferred assets and associated liabilities, allowance and provisioning notes (reported provisions net of certain amounts of $3,601 and $3,021 in separate references), and undistributed retained earnings related to a foreign associate of $75. Regulatory capital and leverage measures are disclosed as based on Basel III/OSFI guidelines.
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