Welcome to our dedicated page for BANK OF 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.
Bank of Nova Scotia filings document the regulatory disclosures of a Canadian bank and foreign private issuer whose securities trade on the TSX and NYSE under BNS. Its Form 6-K reports include earnings-related releases, capitalization and earnings-ratio exhibits, Canadian certification materials, and updates incorporated by reference into Form F-3 and Form S-8 registration statements.
The bank’s filings also record governance and shareholder matters, including proxy circular materials, board mandates, by-law amendments, annual and special meeting voting results, and director-election outcomes. Capital-structure disclosures cover common shares, preferred shares and other equity instruments, subordinated indebtedness, normal course issuer bids, and other regulatory capital matters.
The Bank of Nova Scotia is offering unsecured Autocallable Contingent Coupon Notes linked to the common stock of NVIDIA Corporation. Each $1,000 note is scheduled to be issued on December 24, 2025 and, if not called earlier, will mature on December 22, 2028.
The notes may be automatically called on quarterly observation dates if NVIDIA’s closing price is at or above the initial level, in which case holders receive $1,000 plus the applicable contingent coupon and the notes terminate. If the notes are outstanding and NVIDIA’s price on a coupon observation date is at or above 70% of the initial level, investors receive a contingent coupon of at least $44.50 per note, equal to at least 17.80% per year.
If the notes are not called and NVIDIA’s final price is at or above 70% of the initial level, investors receive full principal back plus any due coupon; if it is below the 70% barrier, repayment is reduced one-for-one with NVIDIA’s decline, up to a total loss of principal. The notes are not listed, have no guaranteed secondary market, provide no dividends or voting rights in NVIDIA, and all payments depend on the credit of The Bank of Nova Scotia. The bank’s initial estimated value is between $930.72 and $960.72 per $1,000 note, reflecting fees, funding and hedging costs.
The Bank of Nova Scotia is offering $3,000,000 of Capped In-GEARS notes linked to the Dow Jones Industrial Average, maturing April 3, 2031. These senior unsecured securities pay no interest and repay at maturity based on the ratio of the final index level to an initial level set as the average Dow close during an initial valuation period.
If the index performs well, investors earn a positive return up to a maximum gain of 83.4512%, corresponding to a maximum payment of $18.34512 per $10 Security. If the underlying performance factor falls below 96%, investors begin to lose principal, with losses doubling index declines between 4% and 8% and matching the index’s loss beyond an 8% drop, so all invested principal can be lost. The notes are sold at $10 each with a $1,000 minimum, had an initial estimated value of $9.67 per $10, are not insured or bail-inable, and will not be listed on any exchange.
The Bank of Nova Scotia is offering $7,538,000 of Contingent Income Auto-Callable Securities due December 8, 2028, linked to Eli Lilly common stock. These senior unsecured notes pay a quarterly contingent coupon of $27.125 per $1,000 (equivalent to 10.85% per annum) only when Eli Lilly’s closing price on a determination date is at or above 65% of the initial share price of $1,010.31.
If on any non-final determination date the stock closes at or above 100% of the initial share price, the notes are automatically redeemed at $1,000 plus that quarter’s coupon and no further payments are made. If the notes are not called and the final share price is at or above the 65% downside threshold, investors receive $1,000 plus the last coupon; if it is below that level, repayment is reduced one-for-one with the stock’s decline and can fall to zero.
The notes do not participate in any share price appreciation, pay no dividends from Eli Lilly, and are not listed on an exchange, so secondary market liquidity may be limited. All payments depend on BNS’s credit, and the estimated value on the pricing date is $967 per $1,000 note, below the issue price because of selling, structuring and hedging costs.
The Bank of Nova Scotia is issuing $2,446,000 of Buffered Enhanced Participation Basket-Linked Notes due December 8, 2027. These unsecured notes pay no interest and repay cash at maturity based on a weighted basket of five equity indices: EURO STOXX 50 (38.00%), TOPIX (26.00%), FTSE 100 (17.00%), Swiss Market Index (11.00%) and S&P/ASX 200 (8.00%).
If the basket rises, holders gain 125.00% of the basket’s percentage increase. If it falls by up to 10.00%, investors receive only the $1,000 principal per note. Below a 10.00% decline, losses accelerate at approximately 111.11% of further downside and investors can lose their entire investment. The notes are not insured, depend on the Bank’s credit, will not be listed and may have limited liquidity. The initial estimated value is $969.35 per $1,000 principal amount, below the 100.00% issue price due to commissions, hedging and internal funding costs.
The Bank of Nova Scotia is offering Autocallable Contingent Coupon Trigger Notes linked to the common stock of Amazon.com, Inc., expected to mature on January 22, 2027. These unsecured senior notes pay a monthly contingent coupon of 0.8834% ($8.834 per $1,000), only if Amazon’s closing price on each observation date is at or above 70.00% of the initial price, creating a potential yield of up to approximately 10.60% per annum.
The notes can be automatically called on monthly call observation dates from June through December 2026 if Amazon’s price is at or above the initial price, in which case investors receive $1,000 per note plus the applicable coupon and the notes terminate early.
If the notes are not called and the final price on January 19, 2027 is at or above 70.00% of the initial price, investors receive $1,000 per note plus the final coupon. If the final price is below 70.00%, investors receive Amazon shares (or cash equivalent) worth less than 70% of principal and no final coupon, risking loss of most or all of their investment. All payments depend on the creditworthiness of The Bank of Nova Scotia, and the initial estimated value is expected to be between $900 and $930 per $1,000 note, below the original issue price.
The Bank of Nova Scotia is offering $2,357,000 of Capped Buffered Enhanced Participation Notes linked to the S&P 500® Index, maturing on November 10, 2027. The notes pay no interest and all value comes at maturity based on index performance from the initial level of 6,849.72 on December 3, 2025 to the valuation date on November 8, 2027.
If the index rises, holders receive 160.00% of the index gain, capped at a maximum payment of $1,228.80 per $1,000 of principal (a 22.880% maximum return). If the index falls by up to 12.50%, investors get back principal; beyond that buffer, losses accelerate at a buffer rate of approximately 114.29%, and investors can lose up to their entire investment.
The initial estimated value is $990.80 per $1,000, below the issue price, reflecting internal funding and hedging costs. The notes are unsecured, unsubordinated obligations of The Bank of Nova Scotia, are not insured by any deposit insurer, will not be listed on an exchange, and expose investors both to S&P 500 market risk and to the Bank’s credit risk.
The Bank of Nova Scotia is offering senior unsecured Contingent Income Auto-Callable Securities maturing around December 10, 2029, linked to the common stock of NVIDIA Corporation. These notes are principal-at-risk and pay a contingent quarterly coupon of $27.80 per $1,000 (11.12% per year) only if NVIDIA’s closing price on the relevant determination date is at least 55% of the initial share price. Missed coupons can be paid later under a memory feature if this condition is later met.
The notes are automatically called if, on any non-final determination date, NVIDIA’s closing price is at or above 100% of the initial share price, returning principal plus the due coupon and any unpaid coupons, after which no further payments are made. If held to maturity and the final share price is below 55% of the initial level, investors receive the principal multiplied by the share performance factor, exposing them 1-for-1 to downside and potentially losing their entire investment. The notes are not listed, have limited liquidity, carry BNS credit risk, and have an initial estimated value between $932.71 and $962.71 per $1,000, below the issue price.
Bank of Nova Scotia details several major balance sheet and capital actions. The bank completed the sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda, and in connection with this exit recorded a goodwill write-down of $589 million pre-tax within its Latin America and Caribbean & Central America cash-generating units, along with an additional impairment loss of $165 million pre-tax. Earlier, in fiscal 2024, it had recorded a goodwill write-down of $92 million pre-tax tied to the planned sale of CrediScotia Financiera in Peru.
The bank continued to manage its capital structure using Limited Recourse Capital Notes (LRCNs). It issued USD$1,000 million of 7.350% LRCN Series 6 with matching Additional Tier 1 (AT1) Notes in January 2025 and USD$1,000 million of 6.875% LRCN Series 7 with related AT1 Notes in September 2025, while redeeming US $1,250 million of 4.900% AT1 Notes, which generated a foreign currency loss of $22 million recorded in retained earnings.
The bank also expanded its strategic investments, lifting its KeyCorp stake to 14.9% and recognizing dividends of $140 from this associate, and it reports a market value of $4,018 for this holding and $617 for its investment in Bank of Xi’an based on quoted exchange prices.