false2026-01-31Q10000009631--10-31Represents cash and non-interest-bearing deposits with financial institutions (refer to Note 5).Net of allowances of $3 (October 31, 2025 – $4)Balances are net of allowances, which are $1 (October 31, 2025 – $1)Interest income recognized on impaired loans during the three months ended January 31, 2026 was $28 (October 31, 2025 – $23).The cumulative change in fair value is measured from the instruments’ date of initial recognition.Includes Share from associates, Employee benefits, Own credit risk, and Insurance contracts.Excludes debt investment securities measured at amortized cost of $22,452 (October 31, 2025 – $23,722).Includes interest income on financial assets measured at amortized cost and FVOCI, calculated using the effective interest method, of $13,125 for the three months ended January 31, 2026 (October 31, 2025 – $14,001; January 31, 2025 – $14,577).The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell.Changes in fair value attributable to changes in the Bank’s own credit risk are recorded in other comprehensive income. Other changes in fair value are recorded in non-interest income – trading revenues. The offsetting fair value changes from associated derivatives is also recorded in non-interest income – trading revenues.The cumulative change in fair value is measured from the instrument’s date of initial recognition.Change in the difference between the contractual maturity amount and the carrying value.Includes undistributed retained earnings of $76 (January 31, 2025 – $77) related to a foreign associated corporation, which is subject to local regulatory restriction.Represents amounts on account of share-based payments (refer to Note 12).These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost.Excludes amounts associated with other assets and reversal of impairment losses of $(18). The provision for credit losses, net of these amounts, is $1,162.Excludes amounts associated with other assets of $(1). The provision for credit losses, net of these amounts, is $1,176.Allowance for credit losses on off-balance sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position.Includes impact of divested operations.Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments.Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position.Excludes allowance for credit losses of $223 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.Excludes allowance for credit losses of $183 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.Excludes allowance for credit losses of $191 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.Includes all other smaller operating segments and corporate adjustments.Includes the impairment loss related to the announced sale of the banking operations in Colombia, Costa Rica and Panama.Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $24, International Banking – $35, and Other – $54.Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets.On December 1, 2025, the Bank completed the sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda Group S.A. in exchange for 20.3% ownership interest in the combined Davivienda Group S.A. The Bank’s ownership consists of 14.99% voting common shares and the remainder in non-voting preferred shares. There is no quoted market price for the common shares. Following the closing, the investment was recognized at a fair value of $1,370 million as the Bank has significant influence over Davivienda Group S.A. given its board representation and ownership interest. Refer to Note 19 for further details.Represents the date of the most recent financial statements.Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure.Changes in discount rates and return on plan assets are reviewed and updated on a quarterly basis. In the absence of legislated changes, all other assumptions are updated annually.Other plans operated by certain subsidiaries of the Bank are not considered material and are not included in this note.Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category.All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments.Deposits payable on demand include all deposits for which the Bank may not have the right to notice of withdrawal, generally chequing accounts.Deposits denominated in U.S. dollars amount to $310,021 (October 31, 2025 – $297,065), deposits denominated in Chilean pesos amount to $20,881 (October 31, 2025 – $20,053), deposits denominated in Mexican pesos amount to $35,542 (October 31, 2025 – $35,941) and deposits denominated in other foreign currencies amount to $110,665 (October 31, 2025 – $117,530).Deposits payable after notice include all deposits for which the Bank may require notice of withdrawal, generally savings accounts.Earnings per share calculations are based on full dollar and share amounts.Stage 3 includes purchased or originated credit-impaired loans.Includes the restructuring charge and severance provisions.Certain options were not included in the calculation of diluted earnings per share as they were anti-dilutive.Includes interest on lease liabilities for the three months ended January 31, 2026 – $31 (October 31, 2025 – $32; January 31, 2025 – $32) and insurance finance expense for the three months ended January 31, 2026 – $8 (October 31, 2025 – $8; January 31, 2025 – $8).The interest income/expense on financial assets/liabilities are calculated using the effective interest method.Includes dividend income on equity securities.Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $591 (October 31, 2025 – $617). The Bank has significant influence over the Bank of Xi’an Co. Ltd. through a combination of its ownership interest and board representation.The local regulator requires financial institutions to set aside reserves for general banking risks. These reserves are not required under IFRS, and represent undistributed retained earnings related to a foreign associated corporation, which are subject to local regulatory restrictions. As of January 31, 2026, these reserves amounted to $76 (October 31, 2025 – $76).Based on the quoted price on the New York Stock Exchange, the market value of the Bank’s Investment in KeyCorp was $4,742 (October 31, 2025 – $4,018). The Bank has significant influence over KeyCorp through a combination of its ownership interest and board representation. During the period, dividends received from KeyCorp of $47 were recognized as a reduction in the carrying value of the investment in associate. The Q1 2026 regulatory capital ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2025). The prior period regulatory capital ratios were based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2023).This measure has been disclosed in this document in accordance with OSFI Guideline – Total Loss Absorbing Capacity (September 2018).The leverage ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Leverage Requirements (February 2023).Includes net income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $(1); International Banking – $40, Global Banking and Markets – $1, and Other – $139.Includes the loss related to the sale of the banking operations in Colombia, Costa Rica and Panama.Includes income from associated corporations for Canadian Banking – $(9), International Banking – $48, and Other – $150.Loans up to 30 days past due are not presented in this analysis as they are not administratively considered past due.All loans that are over 90 days past due are considered impaired with the exception of credit card receivables which are considered impaired when 180 days past due.Represents principal amount owed net of write-offs.The majority of foreign term deposits are in excess of $100,000.Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2.These amounts represent the gains and losses from fair value changes of Level 3 instruments still held at the end of the period that are recorded in the Consolidated Statement of Income.Certain unrealized gains and losses on derivative assets and liabilities are largely offset by mark-to-market changes on other instruments included in trading revenues in the Consolidated Statement of Income, since these instruments act as an economic hedge to certain derivative assets and liabilities.Certain unrealized losses on interest rate derivative contracts are largely offset by mark-to-market changes on embedded 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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

~~WASHINGTON~~Washington, DC 20549

Form

~~Form~~ 6-K

~~REPORT~~Report OFof ~~FOREIGN~~Foreign ~~PRIVATE~~Private ~~ISSUER~~Issuer

Pursuant to Rule

~~PURSUANT TO RULE~~ 13a-16 ~~OR 15d-16~~

~~OF THE SECURITIES EXCHANGE ACT OF 1934~~ 15d-16

~~For~~ the ~~month~~Securities ofExchange ~~February~~Act ~~2026~~of 1934

~~Commission~~For ~~File~~the ~~Number~~month ~~002-09048~~of: February 2026

Commission File Number:

002-09048

THE BANK OF NOVA SCOTIA

(~~Registrant’s~~Name ~~name~~of registrant)

40 Temperance Street, Toronto, Ontario, M5H 0B4

(416)

~~Attention: Secretary’s Department (Tel.: (416)~~ 866-3672)

(Address of ~~principal~~Principal ~~executive~~Executive ~~offices~~Offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form

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

or Form

~~Form 20-F ☐ Form~~ 40-F ☒ :

Form

~~INCORPORATION BY REFERENCE~~ 20-F ☐ Form

40-F ☒

This report on Form

~~This report on Form~~ 6-K shall be deemed to be incorporated by reference in The Bank of Nova Scotia’s registration statement on 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.

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.

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.

	~~THE BANK OF NOVA SCOTIA~~	THE BANK OF NOVA SCOTIA
Date: February 2, 2026		By:	/s/ Agnes Varatinskaite
Date: February 24, 2026		By:	/s/ Gerhardt Samwell
		Name: Agnes Varatinskaite
			Name:	Gerhardt Samwell
		Title: Managing Director, Term Funding and Capital Management
			Title:	Senior Vice-President and Chief Accountant

EXHIBIT INDEX

Exhibit		Description of Exhibit
5.1		Opinion of Allen Overy Shearman Sterling US LLP, U.S. counsel for the Bank.
99.1		2026 First Quarter Report to Shareholders
5.2		Opinion of Osler, Hoskin & Harcourt LLP, Canadian counsel for the Bank.
101		Interactive Data File (formatted as Inline XBRL)
23.1		Consent of Allen Overy Shearman Sterling US LLP (included in Exhibit 5.1 above).
104		Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101)
23.2		Consent of Osler, Hoskin & Harcourt LLP (included in Exhibit 5.2 above).

Filing Compare · BANK OF NOVA SCOTIA