Regulatory risk is high today at TD Bank. Scotiabank's turnaround plan and its notably higher yield might be more attractive to investors. I own shares of Toronto-Dominion Bank (TD -0.75%) and Bank of Nova Scotia (BNS -0.70%), so I'm fond of both companies. However, TD Bank is facing a unique regulatory headwind that might bother more conservative investors. Although Scotiabank has its own problems, it isn't facing the same regulatory issues and has a higher yield. If you are considering investing in TD Ban ...

Investors looking for stocks in the Banks - Foreign sector might want to consider either Bank of Nova Scotia (BNS) or DBS Group Holdings Ltd (DBSDY) . But which of these two stocks presents investors with the better value opportunity right now? Let's take a closer look. There are plenty of strategies for discovering value stocks, but we have found that pairing a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system produces the best returns. The Zacks Rank favors stocks ...

Redfox_Ca Bank of Nova Scotia (TSX:BNS:CA)(NYSE:BNS) offers an attractive dividend, trades at a cheap price-to-earnings multiple based on 2025's expected earnings, and has additional upside if the new CEO can execute an ambitious turnaround plan. (All numbers in Canadian Dollars unless otherwise noted) Introduction Bank of Nova Scotia (or as it's commonly referred to, Scotiabank) is a member of Canada's so-called "big six" banking oligarchy which, collectively, controls approximately 93% of banking assets i ...

If you are looking for a mixture of reliable dividends and high yield, then look no further than Scotiabank and Realty Income. Dividend investors looking to live off of the income their portfolios generate should favor companies with long and reliable dividend histories. Both Bank of Nova Scotia (BNS 0.71%) and Realty Income (O -0.17%) fit that bill. But right now they are also offering historically attractive dividend yields. That's why you might want to buy now and hold onto these high-yield dividend stoc ...

Scotiabank与Google Cloud合作 - Scotiabank宣布与Google Cloud扩大合作，将其命名为下一阶段银行云加速之旅的企业云平台[1] - Scotiabank计划在未来三年内将大部分信息和系统迁移到云端，以提高业务生产力和信息安全性[3] - Scotiabank正在利用Google Cloud技术构建基于AI的解决方案，以提升客户和员工体验，加强银行安全性，并更快地采用新技术[1][4] - Scotiabank将其联系中心迁移到Google Cloud的联系中心AI（CCAI）技术，以更好地理解和满足客户需求[5]

The Bank of Nova Scotia (NYSE:BNS) NBF Annual Financial Services Conference March 26, 2024 11:05 AM ET Company Participants Aris Bogdaneris - Group Head of Canadian Banking Conference Call Participants Unidentified Analyst All right, welcome back and welcome to our next presenter, Aris Bogdaneris, Group Head Canadian Banking for Scotiabank. Thank you for joining us in Montreal, your hometown. First question, are you a Habs fan? Aris Bogdaneris I'm very much a Habs fan and I was lucky enough to be at the rig ...

NoDerog/iStock Unreleased via Getty Images Investment Thesis Receiving a regular dividend income coupled with the prospect of capital appreciation is one of the principal benefits for those who invest in high dividend yield companies. However, identifying high dividend yield companies that offer sustainable dividends can be a challenging task. Companies that pay sustainable dividends don't only provide you with the chance to get immediate dividend payments, but also with a source of income that continuously ...

财务表现 - 加拿大丰业银行2024财年第一季度调整后净收入为21.1亿加元（16.3亿美元），同比下降近6%[1] - 调整后的净收入为22亿加元（16.2亿美元），同比增长25.1%[2] - 总收入为84.3亿加元（62.1亿美元），同比增长5.9%[3] - 净利息收入为47.7亿加元（35.1亿美元），同比增长4.6%[4] - 预计多样化的产品组合和强劲的资本状况将有助于加拿大丰业银行通过有机增长和收购实现增长[8] 资产状况 - 截至2024年1月31日，BNS的总资产为1.39万亿加元（1.03万亿美元），较上季度下降1.3%[6] - 存款为939.8亿加元（691.6亿美元），较上一季度下降1.3%[6] - 净贷款和承兑为759.9亿加元（559.2亿美元），较上一季度下降1.2%[6] 资本状况 - 截至2024年1月31日，普通股权一级比率为12.9%，较2023年1月31日的11.5%增加[7] - 总资本比率为16.7%，较去年同期的15.2%增加[7] - 调整后的净资产回报率为21.8%，较去年同期的23%下降[7] 风险因素 - 信贷损失准备金从上年同期的6.38亿加元上升至9.62亿加元（7.07亿美元），反映了经济前景恶化[5] - 对宏观经济状况和不断上升的费用的担忧使公司感到忧虑[8] 市场评级 - BNS目前持有Zacks排名3（持有）[9]

财务数据和关键指标变化 - 公司本季度实现调整后净利润22亿加元,每股收益1.69加元,净资产收益率11.9% [26] - 收入同比增长6%,其中净利息收入增长5%,非利息收入增长8% [26][27] - 全行净利差同比扩大8个基点,季度环比扩大4个基点 [27] - 信贷损失准备金962百万加元,占贷款比率50个基点,同比上升17个基点 [28] - 费用同比增长6%,季度环比持平,生产效率指标为56% [28] - 普通股一级资本充足率为12.9%,较上季度下降10个基点 [29] 各条业务线数据和关键指标变化 加拿大银行业务 - 净利润10.96亿加元,同比增长1% [31] - 收入同比增长7%,费用同比增长3%,实现正的营业杠杆 [31] - 贷款同比下降1%,但商业贷款增长9%,信用卡增长18%,个人贷款增长2%,抵押贷款下降5% [32] - 存款同比增长9%,贷款存款比率从136%改善至123% [32][33] - 净利差同比扩大30个基点,季度环比扩大9个基点 [33] - 信贷损失准备金占贷款比率为34个基点 [34] 环球财富管理业务 - 净利润3.74亿加元,同比下降4% [35] - 收入同比增长3%,费用同比增长8% [36] - 管理资产规模同比增长5%至3400亿加元,托管资产同比增长8%至6550亿加元 [36] - 加拿大投资基金销售承压,净赎回130亿加元,但大部分基金5年业绩位居前2个四分位 [37] - 国际财富管理业务净利润6.5亿加元,同比增长18% [37] 环球银行及资本市场业务 - 净利润4.39亿加元,同比下降15%,但季度环比增长6% [38] - 美国业务净利润2.37亿加元,同比增长13% [38] - 资本市场收入同比下降12%,固定收益业务下降22%,但季度环比增长12% [38] - 商业银行收入同比和季度环比均下降5%,贷款同比下降7% [39] - 非利息收入同比下降2%,但季度环比增长7% [39] - 净利息收入同比下降22%,季度环比下降11% [39] - 拉美地区业务净利润3.72亿加元,同比增长24% [41] 国际银行业务 - 净利润7.52亿加元,同比增长35%,季度环比增长35% [42] - 收入同比增长9%,主要来自资本市场业务,零售业务收入也有增长 [42] - 贷款同比下降2%,但零售贷款增长4%,商业贷款下降6% [43] - 存款同比增长5%,个人存款增长2%,非个人存款增长7% [43] - 净利差同比扩大19个基点 [44] - 信贷损失准备金占贷款比率为135个基点,同比上升16个基点 [44] - 费用同比增长4%,季度环比增长3% [45] 各个市场数据和关键指标变化 - 加拿大经济预计将在今年上半年表现较弱,但下半年有望加速增长 [9] - 墨西哥预计将是美洲地区增长最强劲的大型经济体 [9] - 秘鲁和哥伦比亚经济复苏预计将更加艰难,公司正在采取主动措施管理风险敞口 [54][57] - 智利信贷质量已恢复至正常水平 [49] 公司战略和发展方向及行业竞争 - 公司正在执行新的战略,包括更加谨慎的资本配置、专注于高回报业务、维持强大的资产负债表 [4][5][7] - 在加拿大银行业务方面,公司正在聚焦于主要客户关系,提高存款占比,并通过捆绑产品提升客户粘性 [11][12][13] - 在国际银行业务方面,公司正在转向区域性运营模式,加强跨境业务协同,并投资于现金管理等基础设施 [21][22] - 在资本市场业务方面,公司正在优化客户组合和风险加权资产,提高回报率 [18][19] - 公司正在密切关注各业务线的主要客户指标,并制定相应的KPI指标进行跟踪 [23] 管理层对经营环境和未来前景的评论 - 尽管加拿大经济显示出一定韧性,但利率上升对消费者情绪和支出产生影响,预计今年下半年加息可能会有所回落 [9][10] - 公司已不再预期未来几年内任何运营地区会出现经济衰退,但仍保持应对更困难经济情况的准备 [10] - 国际市场方面,秘鲁和哥伦比亚经济复苏预计将更加艰难,但墨西哥经济增长前景良好 [9][54][57] - 公司相信自身有足够的资本和产品能力把握国际市场机遇 [20] 问答环节重要的提问和回答 问题1 **Paul Holden 提问** 鉴于本季度资本充足率较强,公司何时考虑取消股息再投资折扣? [62][63] **Raj Viswanathan 回答** 公司将密切关注6月OSFI对国内稳定缓冲区的决定,届时将考虑是否取消股息再投资折扣。公司对资本状况的乐观情绪有所增加。 [63] 问题2 **Doug Young 提问** 公司在资产负债表头寸管理方面的策略发生了变化,是否意味着未来利率下降时将获得更多收益? [72][73][74] **Raj Viswanathan 回答** 公司现已将头寸管理策略调整为中性,不再采取主动的利率方向性头寸。未来利率下降时,收益增加主要体现在

Bank of Nova Scotia (BNS) came out with quarterly earnings of $1.25 per share, beating the Zacks Consensus Estimate of $1.19 per share. This compares to earnings of $1.37 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of 5.04%. A quarter ago, it was expected that this bank would post earnings of $1.19 per share when it actually produced earnings of $0.93, delivering a surprise of -21.85%. Over the last four quarters, the compan ...