# EDGAR Filing Document

**Accession Number:** 0000009631
**File Stem:** 0001193125-25-188113
**Filing Date:** 2025-8
**Character Count:** 10740
**Document Hash:** 73e776a5866756deb27e2f56144ef807
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-188113.hdr.sgml**: 20250826

**ACCESSION NUMBER**: 0001193125-25-188113

**CONFORMED SUBMISSION TYPE**: 6-K

**PUBLIC DOCUMENT COUNT**: 3

**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:** 251252616

**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Form F-3 (File No. 333-282565) and to be a part thereof from the date on which this report is filed, to the extent not superseded by documents or reports subsequently filed or furnished.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 | THE BANK OF NOVA SCOTIA |
| Date: August 26, 2025 | By: | /s/ Gerhardt Samwell | /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 | Consolidated Capitalization and Consolidated Earnings Ratios |
| 99.2 | Statement Regarding the Computation of Consolidated Ratio of Earnings |

---

## Exhibit 99.1

**Exhibit 99.1** 

**CONSOLIDATED CAPITALIZATION OF THE BANK** 

The following table sets forth the consolidated capitalization of The Bank of Nova Scotia (the "Bank") as at July 31, 2025:

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| | |
|:---|:---|
|  | **As at**<br>**July 31, 2025** |
|  | **(in millions of<br>Canadian dollars)** |
|  **Subordinated Debentures** | 7604 |
|  **Equity** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Common Equity |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Common Shares | 22089 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Retained Earnings | 58703 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Accumulated Other Comprehensive Income | (5310) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other Reserves | (224) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total Common Equity | 75258 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Preferred Shares and Other Equity Instruments | 8544 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total Equity Attributable to Equity Holders of the Bank | 83802 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Non-controlling Interests |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Non-controlling Interests in Subsidiaries | 1681 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total Equity | 85483 |
|  **Total Capitalization** | **93087** |

---

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**CONSOLIDATED EARNINGS RATIOS** 

The following table provides the Bank's consolidated ratios of earnings to fixed charges, based upon financial information calculated in accordance with International Financial Reporting Standards (IFRS) as issued by the International Accounting Standards Board (IASB) for the nine months period ended July 31, 2025 and for each of the years in the five year period ended October 31, 2024.

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Nine Months**<br>**Ended**<br>**July 31,** | **October 31,** | **October 31,** | **October 31,** | **October 31,** | **October 31,** |
|  | **2025** | **2024** | **2023** | **2022** | **2021** | **2020** |
|  **Consolidated Ratios of Earnings to Fixed Charges** |  |  |  |  |  |  |
|  Excluding interest on deposits | 4.57 | 4.32 | 4.27 | 5.78 | 9.00 | 5.91 |
|  Including interest on deposits | 1.26 | 1.23 | 1.25 | 1.82 | 2.56 | 1.66 |
|  **Consolidated Ratios of Earnings to Combined Fixed Charges and Preferred Dividends** |  |  |  |  |  |  |
|  Excluding interest on deposits | 3.61 | 3.59 | 3.60 | 5.14 | 7.55 | 5.16 |
|  Including interest on deposits | 1.24 | 1.21 | 1.23 | 1.78 | 2.46 | 1.63 |

---

For purposes of computing these ratios:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• fixed charges, including interest on deposits, represent all interest; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• preferred dividends include dividends from preferred shares and other equity instruments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On November 1, 2023, the Bank adopted IFRS 17 Insurance Contracts, which replaces IFRS 4, the previous accounting
standard for insurance contracts. The Bank adopted IFRS 17 on a retrospective basis, restating the results from the transition date of November 1, 2022. Accordingly, results for fiscal 2023 have been restated to reflect the IFRS 17 basis of
accounting for insurance contracts. Results for periods prior to November 1, 2022 continue to be presented under the IFRS 4 basis of accounting and have not been restated.

## Exhibit 99.2

**Exhibit 99.2** 

**Computation of Consolidated Ratio of Earnings** 

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| ($ in million) | **Nine Months**<br>**Ended**<br>**July 31,** | **October 31** | **October 31** | **October 31** | **October 31** | **October 31** |
|  | **2025** | **2024** | **2023** | **2022** | **2021** | **2020** |
|  **Excluding interest on deposits** |  |  |  |  |  |  |
|  Earnings |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Income from continuing operations before income taxes | 7647 | 9924 | 9671 | 12932 | 12826 | 8396 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; less: gain from investees | 429 | 198 | 153 | 268 | 339 | 242 |
|  | 7218 | 9726 | 9518 | 12664 | 12487 | 8154 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fixed charges | 2021 | 2927 | 2912 | 2649 | 1560 | 1661 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Earnings | 9239 | 12653 | 12430 | 15313 | 14047 | 9815 |
|  Fixed charges |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest expense | 2021 | 2927 | 2912 | 2649 | 1560 | 1661 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fixed charges | 2021 | 2927 | 2912 | 2649 | 1560 | 1661 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Preference security dividend requirements<sup>(1)</sup> | 539 | 594 | 544 | 330 | 300 | 240 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fixed charges and preferred dividends | 2560 | 3521 | 3456 | 2979 | 1860 | 1901 |
|  **Ratio of earnings to fixed charges** | **4.57** | **4.32** | **4.27** | **5.78** | **9.00** | **5.91** |
|  **Ratio of earnings to combined fixed charges and preferred dividends** | **3.61** | **3.59** | **3.60** | **5.14** | **7.55** | **5.16** |
|  **Including interest on deposits** |  |  |  |  |  |  |
|  Earnings |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Income from continuing operations before income taxes | 7647 | 9924 | 9671 | 12932 | 12826 | 8396 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; less: gain from investees | 429 | 198 | 153 | 268 | 339 | 242 |
|  | 7218 | 9726 | 9518 | 12664 | 12487 | 8154 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fixed charges | 27451 | 42407 | 38562 | 15443 | 8025 | 12392 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Earnings | 34669 | 52133 | 48080 | 28107 | 20512 | 20546 |
|  Fixed charges |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest expense | 27451 | 42407 | 38562 | 15443 | 8025 | 12392 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fixed charges | 27451 | 42407 | 38562 | 15443 | 8025 | 12392 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Preference security dividend requirements<sup>(1)</sup> | 539 | 594 | 544 | 330 | 300 | 240 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fixed charges and preferred dividends | 27990 | 43001 | 39106 | 15773 | 8325 | 12632 |
|  **Ratio of earnings to fixed charges** | **1.26** | **1.23** | **1.25** | **1.82** | **2.56** | **1.66** |
|  **Ratio of earnings to combined fixed charges and preferred dividends** | **1.24** | **1.21** | **1.23** | **1.78** | **2.46** | **1.63** |

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|:---|:---|
| Note (1) | Preference security dividend requirements include the amount of pre-tax earnings that is required to pay the dividends on outstanding preferred shares and other equity instruments. |

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