The exterior of a Scotiabank location in the Dominican Republic. Jorge Rodriguez - Jars McLucien/iStock Editorial via Getty Images The beauty of buying qualitative and high-yielding dividend stocks at discounts is that an investor can get paid to wait. Regardless of what a market may think about a stock, the dividends get paid. There's one notable exception, however. That is if the business model is capital-heavy like a real estate investment trust or a utility. If the payout ratio leaves a business with to ...

财务数据和关键指标变化 - 公司本季度实现调整后每股收益1.63美元,同比增长 [14] - 收入同比增长5%,其中净利息收入增长6%,非利息收入增长4% [45] - 净利差同比扩大4个基点,但季度环比收窄3个基点 [45][46] - 拨备计提1.1亿美元,拨备率55个基点,同比上升1个基点 [47] - 费用同比增长5%,主要受人工成本和技术投入增加影响 [48] - 资本充足率13.3%,较上季度增加10个基点 [49] 各条业务线数据和关键指标变化 加拿大银行 - 利润同比增长6%,息差扩大16个基点 [51][54] - 贷款余额与上年持平,存款同比增长8% [52][53] - 拨备率39个基点,同比下降1个基点 [55] 环球财富管理 - 利润同比增长11%,收入同比增长10% [57][58] - 管理资产和托管资产均同比增长10% [59] 环球银行及资本市场 - 利润同比下降4%,受到股息税优惠取消影响 [60][61] - 贷款余额环比下降5%,持续优化资产负债表 [61] - 美国业务利润同比增长12% [64] 国际银行 - 利润同比增长6%,息差同比扩大33个基点 [65][66] - 贷款余额同比下降2%,存款同比增长4% [67] - 拨备率139个基点,与上季度持平 [79] 各个市场数据和关键指标变化 - 加拿大经济预计将温和改善,利率有望在明年中期前逐步下降 [32][33] - 美国经济数据显示未来政策利率将大幅下降,有利于公司收益 [34] - 拉美主要经济体已进入货币宽松周期,有望进一步受益于全球经济复苏 [34] 公司战略和发展方向及行业竞争 - 公司持续聚焦提高客户粘性,加强存款业务,存款余额同比增长7% [9][17] - 公司将资本部署于优先业务,提高资本回报,加拿大银行和财富管理业务表现突出 [11][20] - 公司持续推进生产效率提升,加拿大和国际银行业务的生产效率比率均有改善 [12][14] - 公司维持强大的资产负债表,资本充足率和拨备覆盖率均大幅提升 [13] - 公司宣布以14.9%股权投资美国区域性银行KeyCorp,符合公司在北美走廊的战略 [36][37][38] 管理层对经营环境和未来前景的评论 - 加拿大经济增长将低于历史平均水平,但预计利率将在明年中期前逐步下降 [32][33] - 拉美地区政治相对稳定,经济增长好于预期,有望进一步受益于全球经济复苏 [35] - 公司未来不预期任何主要经营地区会出现衰退 [35] 其他重要信息 - 公司认为12.5%的CET1资本充足率为合适水平,不会持有过剩资本 [40] - 公司在美国的有机增长计划不变,将继续加强美国资本市场业务 [41] 问答环节重要的提问和回答 问题1 **Ebrahim Poonawala 提问** 询问净利差未来走势,包括各业务线和整体的预期 [82][83][84][85][86][87] **Raj Viswanathan 回答** 预计净利差将在第四季度小幅改善,并在2025财年进一步扩大,各业务线净利差变化情况 [83][84][85][86][87] 问题2 **Gabriel Dechaine 提问** 询问国际银行业务未来贷款增长的可能性 [111][112][113][114] **Francisco Aristeguieta 回答** 2025年将是过渡年,公司将继续优化资产组合,聚焦于收益更高的客户关系 [112][113][114] 问题3 **Paul Holden 提问** 询问加拿大零售业务拨备的可能释放 [115][116][117] **Phil Thomas 回答** 加拿大零售业务表现良好,但仍需观察一段时间才能确定趋势,目前没有计划大规模释放拨备 [116][117]

Key Takeaways The Bank of Nova Scotia on Tuesday reported third-quarter profit below what analysts expected, with elevated costs offsetting improved revenue. Revenue rose nearly 4% year-over-year, but profit dropped roughly 13% due to the higher costs and provisions for credit losses. Scotiabank CEO Scott Thomson noted the bank's recent investment in KeyCorp as a potential growth opportunity that can improve the company's overall profitability. The Bank of Nova Scotia (BNS) on Tuesday reported higher third- ...

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If you are looking for yield, this pair of dividend stocks will be right up your alley. And both are large and important companies. If you like dividends, you'll probably love owning a company that has paid a dividend every single year since 1833. Bank of Nova Scotia (BNS -0.25%) can make that claim. Or how about a company that has trademarked the nickname "The Monthly Dividend Company"? That is exactly what Realty Income (O -0.71%) has done. Here's why these are two no-brainer, high-yield stocks to buy tod ...

Wall Street expects a year-over-year decline in earnings on higher revenues when Bank of Nova Scotia (BNS) reports results for the quarter ended July 2024. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates. The earnings report, which is expected to be released on August 27, 2024, might help the stock move higher if these key numbers are better tha ...

Jerome Maurice Written by Nick Ackerman For some background on this monthly publication, here is my view on dividend growth stocks: Dividend growth stocks aren't always the most exciting investments out there. They often aren't grabbing the headlines, and they aren't the stocks running up hundreds of percentages in a year. In fact, they are often some of the least exciting stocks. And that is precisely their strongest selling point. With such a vast world of dividend growth stocks available out there, it is ...

Deagreez This is a hectic week for economic data and essential eamings. · Wholesale inflation · Wholesaic · Inflation · Walmart (WMT) earnings - state of the consumer · Retail sales · Weekly jobless claims With volatility collapsing after last week's historic carry trade freak out on Monday, the market is poised for either major tailwinds or headwinds. CBOE VIX INDEX +4.05 20.65 10 Days VIX 65.66 40.74 15.81 30 31 2 5 6 Aug 2024 1 8 9 12 Jul 2024 Bloomberg Consider Nvidia (NVDA), which makes up 5% of the S& ...

I like to sleep well at night no matter what is going on the market, and this unique Canadian banking giant lets me do just that. If there's one thing on Wall Street that I know I can count on, it's that bull markets are going to be followed by bear market crashes. It's just the natural cycle of things, which is why I start to get a little nervous when the S&P 500 is trading near all-time highs, like it is today. Since I don't know what's going to happen in the future, I try to find ways to offset the risk ...

As an individual, I have my moments of creativity. After all, I am self-employed as a dividend writer. That involves coming up with interesting and engaging headlines to support an investment thesis on a company or companies. One of the things that I appreciate the most about dividend investing is that you don't have to reinvent the wheel, though. For me, dividend investing often boils down to whether a company has a reputation for rewarding shareholders and the means to keep doing so. It can be that simple ...