# EDGAR Filing Document

**Accession Number:** 0000009631
**File Stem:** 0001193125-25-188111
**Filing Date:** 2025-8
**Character Count:** 5398
**Document Hash:** 9ff48bc00c5ed8e67c54008e15e819cc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-188111.hdr.sgml**: 20250826

**ACCESSION NUMBER**: 0001193125-25-188111

**CONFORMED SUBMISSION TYPE**: 6-K

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250826

**FILED AS OF DATE**: 20250826

**DATE AS OF CHANGE**: 20250826

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BANK OF NOVA SCOTIA
- **CENTRAL INDEX KEY:** 0000009631
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 134941099
- **STATE OF INCORPORATION:** Z4
- **FISCAL YEAR END:** 1031

**FILING VALUES:**
- **FORM TYPE:** 6-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 002-09048
- **FILM NUMBER:** 251252611

**BUSINESS ADDRESS:**
- **STREET 1:** 40 TEMPERANCE STREET
- **CITY:** TORONTO
- **STATE:** A6
- **ZIP:** M5H 0B4
- **BUSINESS PHONE:** (416) 866-3672

**MAIL ADDRESS:**
- **STREET 1:** 40 TEMPERANCE STREET
- **CITY:** TORONTO
- **STATE:** A6
- **ZIP:** M5H 0B4

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BANK OF NOVA SCOTIA /
- **DATE OF NAME CHANGE:** 19970702

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, DC 20549** 

**Form 6-K** 

**Report of Foreign Private Issuer** 

**Pursuant to Rule 13a-16 or 15d-16 of** 

**the Securities Exchange Act of 1934** 

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| | |
|:---|:---|
| **For the month of: August, 2025** | **Commission File Number: 002-09048** |

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## THE BANK OF NOVA SCOTIA
(Name of registrant)

**40 Temperance Street, Toronto, Ontario, M5H 0B4** 

**(Tel.: (416) 866-3672)** 

**(Address of Principal Executive Offices)** 

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:

Form 20-F ☐ Form 40-F ☒

This report on Form 6-K shall be deemed to be incorporated by reference in The Bank of Nova Scotia's registration statements on Form S-8 (File No. 333-199099) and Form F-3 (File No. 333-282565) and to be a part thereof from the date on which this report is filed, to the extent not superseded by documents or reports subsequently filed or furnished.

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**SIGNATURES** 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

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| | | |
|:---|:---|:---|
|  | THE BANK OF NOVA SCOTIA | THE BANK OF NOVA SCOTIA |
| Date: August 26, 2025 | By: | /s/ Gerhardt Samwell |
|  |  | Name: Gerhardt Samwell |
|  |  | Title: Senior Vice-President & Chief Accountant |

---

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**EXHIBIT INDEX** 

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| | |
|:---|:---|
| Exhibit | Description of Exhibit |
| 99.1 | 2025 Third Quarter Earnings Coverage |

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## Exhibit 99.1

**Exhibit 99.1** 

**THE BANK OF NOVA SCOTIA** 

**EARNINGS COVERAGE** 

**<u>Earnings Coverage on Subordinated Indebtedness and Preferred Shares and Other Equity Instruments</u>**

The consolidated financial ratios for the Bank are set forth in the table below:

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| | |
|:---|:---|
|  | **Twelve months ended**<br>**July 31, 2025<sup>(1)</sup>** |
|  Grossed up dividend coverage on outstanding preferred shares and other equity instruments | 14.11 |
|  Interest coverage on subordinated indebtedness | 25.12 |
|  Grossed up dividend and interest coverage on preferred shares, other equity instruments and subordinated indebtedness | 9.27 |

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The Bank's dividend requirements on all of its outstanding preferred shares and other equity instruments was $696 million for the 12 months ended July 31, 2025, adjusted to a before-tax equivalent using an effective income tax rate of 26.46% for the 12 months ended July 31, 2025. The Bank's interest requirements for subordinated indebtedness was $407 million for the 12 months ended July 31, 2025. The Bank's earnings before interest on subordinated indebtedness and income tax for the 12 months ended July 31, 2025 were $10,225 million after deducting non-controlling interest. In calculating the dividend and interest coverages, foreign currency amounts have been converted to Canadian dollars.

**<u>Consolidated Ratios of Earnings to Fixed Charges</u>**

The table below sets forth the Bank's consolidated ratios of earnings to fixed charges:

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| | |
|:---|:---|
|  | **Twelve months ended**<br>**July 31, 2025<sup>(1)</sup>** |
|  Excluding interest on deposits | 4.44 |
|  Including interest on deposits | 1.25 |

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For purposes of computing these ratios:

(a) earnings represent income from continuing operations plus income taxes and fixed charges (excluding capitalized interest and net income from investments in associated corporations);

(b) fixed charges, excluding interest on deposits, represent interest (including capitalized interest), and amortization of debt issuance costs; and

(c) fixed charges, including interest on deposits, represent all interest.

All amounts presented herein are derived from financial information prepared in accordance with International Financial Reporting Standards (IFRS) as issued by the International Accounting Standards Board (IASB). The ratios reported are not defined by IFRS and do not have any standardized meanings under IFRS and thus may not be comparable to similar measures used by other issuers.

<sup>(1)</sup> This measure has been disclosed in this document in accordance with section 8.4 of National Instrument 44-102 – Shelf Distributions.