Readers should consider the above-noted factors when reviewing these sections. All such statements are made pursuant to the âsafe harborâ provisions of the U.S. Access current and past annual reports and annual general meeting materialsThe 188th Annual Meeting of Common Shareholders was held on April 7, 2020, at 9:00 a.m. EDT. From time to time, our public communications often include oral or written forward-looking statements. © Scotiabank. PDF [4.6 mb] Annual Report – Legal Filing Form F-40 2019. Learn more In addition, representatives of the Bank may include forward-looking statements orally to analysts, investors, the media and others. 2018 SCOTIABANK ANNUAL REPORT | 1. PDF [3.8 mb] Management Proxy Circular. Private Securities Litigation Reform Act of 1995 and any applicable Canadian securities legislation.
A substantial amount of the Bankâs business involves making loans or otherwise committing resources to specific companies, industries or countries. Download 2015 Annual Report Highlights SBTT Foundation Financial Statement for 2014 N/A | pdf : 215 KB Download SBTT Foundation Financial Statement for 2014 Annual Report and Annual General Meeting Access current and past annual reports and annual general meeting materials. After adjusting for acquisition-related costs, net income was $9.1 billion – up 10% compared to last year. Forward-looking statements may include, but are not limited to, statements made in this document, the Managementâs Discussion and Analysis in the Bankâs 2019 Annual Report under the headings âOutlookâ and in other statements regarding the Bankâs objectives, strategies to achieve those objectives, the regulatory environment in which the Bank operates, anticipated financial results, and the outlook for the Bankâs businesses and for the Canadian, U.S. and global economies. PDF Except as required by law, the Bank does not undertake to update any forward-looking statements, whether written or oral, that may be made from time to time by or on its behalf.Additional information relating to the Bank, including the Bankâs Annual Information Form, can be located on the SEDAR website at 46 Scotiabank in the Community 50 Consolidated Financial Statements 153 Proxy What’s inside We are committed to doing our part to protect the environment. Such statements are typically identified by words or phrases such as âbelieve,â âexpect,â âforesee,â âforecast,â âanticipate,â âintend,â âestimate,â âplan,â âgoal,â âproject,â and similar expressions of future or conditional verbs, such as âwill,â âmay,â âshould,â âwouldâ and âcould.âBy their very nature, forward-looking statements require us to make assumptions and are subject to inherent risks and uncertainties, which give rise to the possibility that our predictions, forecasts, projections, expectations or conclusions will not prove to be accurate, that our assumptions may not be correct and that our financial performance objectives, vision and strategic goals will not be achieved.We caution readers not to place undue reliance on these statements as a number of risk factors, many of which are beyond our control and effects of which can be difficult to predict, could cause our actual results to differ materially from the expectations, targets, estimates or intentions expressed in such forward-looking statements.The future outcomes that relate to forward-looking statements may be influenced by many factors, including but not limited to: general economic and market conditions in the countries in which we operate; changes in currency and interest rates; increased funding costs and market volatility due to market illiquidity and competition for funding; the failure of third parties to comply with their obligations to the Bank and its affiliates; changes in monetary, fiscal, or economic policy and tax legislation and interpretation; changes in laws and regulations or in supervisory expectations or requirements, including capital, interest rate and liquidity requirements and guidance, and the effect of such changes on funding costs; changes to our credit ratings; operational and infrastructure risks; reputational risks; the accuracy and completeness of information the Bank receives on customers and counterparties; the timely development and introduction of new products and services; our ability to execute our strategic plans, including the successful completion of acquisitions and dispositions, including obtaining regulatory approvals; critical accounting estimates and the effect of changes to accounting standards, rules and interpretations on these estimates; global capital markets activity; the Bankâs ability to attract, develop and retain key executives; the evolution of various types of fraud or other criminal behaviour to which the Bank is exposed; disruptions in or attacks (including cyber-attacks) on the Bankâs information technology, internet, network access, or other voice or data communications systems or services;increased competition in the geographic and in business areas in which we operate, including through internet and mobile banking and non-traditional competitors; exposure related to significant litigation and regulatory matters; the occurrence of natural and unnatural catastrophic events and claims resulting from such events; the emergence of widespread health emergencies or pandemics, including the magnitude and duration of the COVID-19 pandemic and its impact on the global economy and financial market conditions and the Bankâs business, results of operations, financial condition and prospects; and the Bankâs anticipation of and success in managing the risks implied by the foregoing.