The Bank of Nova Scotia (BNS) Balance Sheet: Assets & Liabilities

The Bank of Nova Scotia (BNS) Balance Sheet

As of Oct 31, 2025 (end of fiscal 2025), The Bank of Nova Scotia reported total assets of CAD 1.46T and total liabilities of CAD 1.37T. Shareholders' equity was CAD 88.59B, up 5.4% from CAD 84.08B a year earlier. Total debt stood at CAD 120.04B against CAD 108.10B in cash and short-term investments, a net debt position of CAD 11.94B. That puts debt-to-equity at 1.36, compared with 1.32 a year earlier.

The Bank of Nova Scotia Balance Sheet Analysis

Values in trillions CAD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for The Bank of Nova Scotia (BNS) - Annual data in trillions CAD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Oct 2025	Oct 2024	Oct 2023	Oct 2022	Oct 2021	Oct 2020	Oct 2019	Oct 2018	Oct 2017
Current Assets
Cash and Cash Equivalents	0.00	0.00	0.00	0.07	0.09	0.08	0.05	0.06	0.06
Short-Term Investments	0.04	0.04	0.05	0.05	0.03	0.04	0.03	0.05	0.05
Cash & Short-Term Investments	0.11	0.11	0.14	0.12	0.12	0.12	0.08	0.11	0.11
Accounts Receivable	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	-0.33	-0.29	-0.28
Other Current Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Current Assets	0.12	0.12	0.15	0.13	0.13	0.13	0.09	0.12	0.11
Non-Current Assets
Property, Plant & Equipment (Net)	0.00	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.00
Long-Term Investments	0.01	0.00	0.00	0.00	0.22	0.22	0.20	0.17	0.16
Goodwill	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Intangible Assets	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.00
Other Non-Current Assets	0.35	0.99	1.15	0.00	0.00	0.00	0.00	0.00	-0.17
Total Non-Current Assets	1.34	1.29	1.41	0.24	0.24	0.25	0.22	0.19	0.17
Total Assets	1.46	1.41	1.41	1.35	1.18	1.14	1.09	1.00	0.92
Current Liabilities
Accounts Payable	0.00	0.00	0.02	0.01	0.01	0.01	0.01	0.01	0.01
Short-Term Debt	0.11	0.10	0.12	0.13	0.08	0.00	0.00	0.00	0.00
Other Current Liabilities	0.84	0.60	0.51	-0.14	-0.09	-0.01	-0.01	-0.01	-0.01
Total Current Liabilities	1.07	0.72	0.65	0.14	0.09	0.07	0.12	0.10	0.10
Non-Current Liabilities
Long-Term Debt	0.01	0.01	0.01	0.18	0.16	0.16	0.14	0.01	0.01
Deferred Tax Liabilities	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Non-Current Liabilities	0.10	0.09	0.45	-0.18	-0.16	-0.16	-0.14	-0.01	-0.01
Total Non-Current Liabilities	0.30	0.29	0.64	0.14	0.16	0.01	0.02	0.10	0.10
Total Liabilities	1.37	1.33	1.33	1.27	1.11	1.07	1.02	0.93	0.85
Stockholders' Equity
Common Stock	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02
Retained Earnings	0.06	0.06	0.06	0.05	0.05	0.05	0.04	0.04	0.04
Accumulated Other Comprehensive Income	0.00	-0.01	-0.01	-0.01	-0.01	0.00	0.00	0.00	0.00
Minority Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Shares Outstanding	0.00	0.00	0.00	0.00	-	-	-	-	-
Total Stockholders' Equity	0.09	0.08	0.08	0.07	0.07	0.07	0.07	0.07	0.06
Total Liabilities & Equity	1.46	1.41	1.41	1.35	1.18	1.14	1.09	1.00	0.92

Source: Company financial statements from annual and quarterly filings. Data as of Jul 31, 2026. Data sources and methodology

Frequently Asked Questions About The Bank of Nova Scotia Balance Sheet

How much debt does The Bank of Nova Scotia have?

The Bank of Nova Scotia had total debt of CAD 120.04B as of Oct 31, 2025, against CAD 108.10B in cash and short-term investments. Its debt-to-equity ratio was 1.36. Total debt was CAD 111.22B a year earlier.

What are The Bank of Nova Scotia's total assets?

The Bank of Nova Scotia reported total assets of CAD 1.46T as of Oct 31, 2025, up 3.4% from CAD 1.41T a year earlier. Total liabilities were CAD 1.37T.

What is The Bank of Nova Scotia's shareholders' equity?

The Bank of Nova Scotia's shareholders' equity was CAD 88.59B as of Oct 31, 2025, or about CAD 71.65 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition