Covered Bond Programs

Covered Bond Label.

Scotiabank's Global Registered Covered Bond Program carries the European Covered Bond Council Covered Bond Label. Investor Reports are published in Excel using the Harmonized Transparency Template (HTT) format commencing January 2017. 

October 2025

PDF [333.4 kb]
Excel [484.8 kb]

September 2025

PDF [333.8 kb]
Excel [484.9 kb]

August 2025

PDF [318.2 kb]
Excel [484.7 kb]

July 2025

PDF [350.9 kb]
Excel [484.9 kb]

June 2025

PDF [331.8 kb]
Excel [484.4 kb]

May 2025

PDF [333.1 kb]
Excel [496.6 kb]

April 2025

PDF [333.8 kb]
Excel [496.7 kb]

March 2025

PDF [333.4 kb]
Excel [498.1 kb]

February 2025

PDF [332.9 kb]
Excel [501.1 kb]

January 2025

PDF [334.0 kb]
Excel [500.9 kb]

View the Amended and Restated Master Definitions and Construction AgreementAmending Agreement to Master Definitions and Construction Agreement, the Second Amending Agreement to Master Definitions and Construction Agreement and the Third Amending Agreement to Master Definitions and Construction Agreement for the definitions of terms included in the investor reports.

The indexation methodology used to account for subsequent price developments is based on the Teranet - National Bank House Price IndexTM (the "House Price Index"). Mortgaged properties are matched to the Teranet data at the most granular level possible. For further information, please refer to the monthly investor reports, or the offering documents in the Documents tab, on this page.

Series
CBL10

ISIN
XS1297734722

Issue Date
28-Sep-15

Maturity Date
28-Sep-35

Amount Issued (MM)
EUR 188

Rate
1.637%

Final Terms
Swap Confirmation

Series
CBL25

ISIN
XS2101325111

Issue Date
14-Jan-20

Maturity Date
14-Jan-27

Amount Issued (MM)
EUR 1,500

Rate
0.01%

Final Terms 
Swap Confirmation

Series
CBL27

ISIN
CH0528881193

Issue Date
03-Apr-20

Maturity Date
03-Apr-28

Amount Issued (MM)
CHF 180

Rate
0.2975%

Final Terms 
Swap Confirmation

Series
CBL33

ISIN
XS2356227343

Issue Date
22-Jun-2021

Maturity Date
22-Jun-2026

Amount Issued (MM)
GBP 1,300

Rate
Compounded SONIA + 1%

Final Terms 
Swap Confirmation

Series
CBL35

ISIN
XS2386592138

Issue Date
14-Sep-2021

Maturity Date
14-Sep-2029

Amount Issued (MM)
EUR 1,500

Rate
0.01%

Final Terms 
Swap Confirmation

Series
CBL36

ISIN
XS2394144609

Issue Date
15-Oct-2021

Maturity Date
15-Oct-2041

Amount Issued (MM)
EUR 175

Rate
0.623%

Final Terms 
Swap Confirmation

Series
CBL36 - Reopening

ISIN
XS2394144609

Issue Date
11-Feb-2022

Maturity Date
15-Oct-2041

Amount Issued (MM)
EUR 100

Rate
0.623%

Final Terms 
Swap Confirmation

Series
CBL37

ISIN
USC0574BAA64

Issue Date
13-Oct-2021

Maturity Date
13-Oct-2026

Amount Issued (MM)
USD 3,500

Rate
1.188%

Final Terms 
Swap Confirmation

Series
CBL38

ISIN
XS2421186268

Issue Date
15-Dec-2021

Maturity Date
15-Dec-2027

Amount Issued (MM)
EUR 1,750

Rate
0.01%

Final Terms 
Swap Confirmation

Series
CBL39

ISIN
XS2435611590

Issue Date
26-Jan-2022

Maturity Date
26-Jan-2026

Amount Issued (MM)
GBP 1,300

Rate
Compounded SONIA + 1%

Final Terms 
Swap Confirmation

Series
CBL40

ISIN
XS2435614693

Issue Date
26-Jan-2022

Maturity Date
26-Mar-2030

Amount Issued (MM)
EUR 1,250

Rate
0.375%

Final Terms 
Swap Confirmation

Series
CBL41

ISIN
USC0574BAB48

Issue Date
09-Mar-2022

Maturity Date
09-Mar-2027

Amount Issued (MM)
USD 2,250

Rate
2.170%

Final Terms 
Swap Confirmation

Series
CBL42

ISIN
XS2457002538

Issue Date
16-Mar-2022

Maturity Date
16-Mar-2026

Amount Issued (MM)
EUR 2,000

Rate
0.45%

Final Terms
Swap Confirmation

Series
CBL42 - Reopening

ISIN
XS2457002538

Issue Date
25-Mar-2022

Maturity Date
16-Mar-2026

Amount Issued (MM)
EUR 200

Rate
0.45%

Final Terms
Swap Confirmation

Series
CBL43

ISIN
CH1167887251

Issue Date
1-Apr-2022

Maturity Date
1-Apr-2027

Amount Issued (MM)
CHF 250

Rate
0.278%

Final Terms
Swap Confirmation

Series
CBL44

ISIN
XS2458335044

Issue Date
24-Mar-2022

Maturity Date
24-Mar-2037

Amount Issued (MM)
EUR 150

Rate
1.18%

Final Terms
Swap Confirmation

Series
CBL46

ISIN
CH1177791873

Issue Date
25-Apr-2022

Maturity Date
25-Apr-2029

Amount Issued (MM)
CHF 100

Rate
0.7325%

Final Terms
Swap Confirmation

Series
CBL47

ISIN
XS2471434675

Issue Date
26-Apr-2022

Maturity Date
26-Apr-2037

Amount Issued (MM)
EUR 118

Rate
1.806%

Final Terms
Swap Confirmation

Series
CBL51

ISIN
XS2576390459

Issue Date
18-Jan-2023

Maturity Date
18-Jan-2028

Amount Issued (MM)
EUR 1,750

Rate
3.25%

Final Terms
Swap Confirmation

Series
CBL51- Reopening

ISIN
XS2576390459

Issue Date
09-Feb-2023

Maturity Date 
18-Jan-2028

Amount Issued ( MM)
EUR 500

Rate
3.25%

Final Terms 
Swap Confirmation

Series
CBL52

ISIN
USC0574BAD04

Issue Date
07-Feb-2023

Maturity Date
07-Feb-2028

Amount Issued (MM)
USD 3,500

Rate
SOFR+0.9%

Final Terms
Swap Confirmation

Series
CBL53

ISIN
XS2587356416

Issue Date
14-Feb-2023

Maturity Date
14-Feb-2031

Amount Issued (MM)
NOK 1,000

Rate
3.565 %

Final Terms
Swap Confirmation

Series
CBL54

ISIN
XS2596369657

Issue Date
9-Mar-2023

Maturity Date
9-Mar-2027

Amount Issued (MM)
GBP 1,250

Rate
Compounded SONIA + 0.62%

Final Terms
Swap Confirmation

Series
CBL55

ISIN
CH1261608918

Issue Date
04-May-2023

Maturity Date
04-May-2026

Amount Issued (MM)
CHF 360

Rate
2.0425%

Pricing Supplement
Swap Confirmation

Series
CBL56

ISIN
CH1261608926

Issue Date
04-May-2023

Maturity Date
03-May-2030

Amount Issued (MM)
CHF 225

Rate
2.1425%

Pricing Supplement
Swap Confirmation

Series
CBL57

ISIN
XS2618906072

Issue Date
04-May-2023

Maturity Date
04-May-2028

Amount Issued (MM)
USD 300

Rate
Compounded SOFR+0.78%

Pricing Supplement
Swap Confirmation

Series
CBL58

ISIN
XS2631873424

Issue Date
05-June-2023

Maturity Date
08-January-2026

Amount Issued (MM)
USD 250

Rate
SOFR + 0.68%

Pricing Supplement
Swap Confirmation

Series
CBL59

ISIN
XS2644396470

Issue Date
30-June-2023

Maturity Date
30-June-2031

Amount Issued (MM)
NOK 2,000

Rate
4.335%

Pricing Supplement
Swap Confirmation

Series
CBL60

ISIN
USC0574BAF51

Issue Date
26-July-2023

Maturity Date
26-July-2028

Amount Issued (MM)
USD 3,500

Rate
SOFR + 0.83%

Pricing Supplement

Swap Confirmation

Series
CBL61

ISIN
CA064164AQ91

Issue Date
8-Sept-2023

Maturity Date
8-Sept-2026

Amount Issued (MM)
CAD 900

Rate
Daily Compounded CORRA + 0.6%

Pricing Supplement

Swap Confirmation

Series
CBL62

ISIN
CA06418MBU77

Issue Date
20-Mar-2024

Maturity Date
20-Mar-2034

Amount Issued (MM)
CAD 400

Rate
4.246%

Pricing Supplement

Swap Confirmation

Series
CBL63

ISIN
USC0574BAG35

Issue Date
20-Mar-2025

Maturity Date
20-Mar-2028

Amount Issued (MM)
USD 1,750

Rate
4.299%

Final Terms

Swap Confirmation

Series
CBL64

ISIN
XS3097917895

Issue Date
18-Jun-2025

Maturity Date
18-Jun-2029

Amount Issued (MM)
EUR 1,250

Rate
2.516%

Final Terms

Swap Confirmation

Series
CBL65

ISIN
XS3120966091

Issue Date
16-Jul-2025

Maturity Date
16-Jul-2037

Amount Issued (MM)
EUR 211

Rate
3.205%

Pricing Supplement

Swap Confirmation

Series
CBL66

ISIN
XS3181511059

Issue Date
15-Sept-2025

Maturity Date
15-Sept-2028

Amount Issued (MM)
GBP 1,500

Rate
Compounded SONIA + 0.54%

Final Terms

Swap Confirmation

Program Documents

1. Trust Deed

1. First Amended and Restated Trust Deed

1. Amending Agreement to Trust Deed

2. Second Amended and Restated Trust Deed

3. Third Amended and Restated Trust Deed

4. Fourth Amended and Restated Trust Deed

1. Amending agreement to Fourth Amended and Restated Trust Deed

2. Second Amending agreement to Fourth Amended and Restated Trust Deed

5. Fifth Amended and Restated Trust Deed

1. Amending agreement to Fifth Amended and Restated Trust Deed

6. Sixth Amended and Restated Trust Deed

7. Seventh Amended and Restated Trust Deed

8. Eight Amended and Restated Trust Deed

2. Program Agreement

1. Amended and Restated Program Agreement

2. Second Amended and Restated Program Agreement

3. Third Amended and Restated Program Agreement

4. Fourth Amended and Restated Program Agreement

5. Fifth Amended and Restated Program Agreement

6. Sixth Amended and Restated Program Agreement

7. Seventh Amended and Restated Program Agreement

8. Eight Amended and Restated Program Agreement

3. Security Agreement

1. Amended and Restated Security Agreement

1. Accension Undertaking

2. First Amending Agreement to Security Agreement

4. Mortgage Sale Agreement

1. Amended and Restated Mortgage Sale Agreement

1. Amending Agreement to Mortgage Sale Agreement

2. Second Amended and Restated Mortgage Sale Agreement

1. Amending Agreement to the Second Amended and Restated Mortgage Sale Agreement

3. Third Amended and Restated Mortgage Sale Agreement

1. Amending Agreement to the Third Amended and Restated Mortgage Sale Agreement

2. Second Amending Agreement to the Third Amended and Restated Mortgage Sale Agreement

5. Servicing Agreement

1. Amending Agreement to Servicing Agreement

6. Guarantor Agreement

1. Amending Agreement to Guarantor Agreement

2. Amended and Restated Guarantor Agreement

3. First Amendment to the Amended and Restated Guarantor Agreement

7. Intercompany Loan Agreement

1. Amending Agreement to Intercompany Loan Agreement

2. Second Amending Agreement to Intercompany Loan Agreement

3. Third Amending Agreement to Intercompany Loan Agreement

8. Interest Rate Swap ISDA Master Agreement with Schedule and Amended and Restated CSA

1. Amending Agreement to ISDA Interest Rate Swap Master Agreement

2. Second Amended Interest Rate Swap Confirmation

3. ISDA Adherence Letter

9. Covered Bond Swap ISDA Agreement with Schedule and Amended and Restated CSA

1. Amending Agreement to ISDA Covered Bond Swap Master Agreement

2. ISDA Adherence Letter

10. Cover Pool Monitor Agreement

1. Amending Agreement to Cover Pool Monitor Agreement

2. Second Amending Agreement to Cover Pool Monitor Agreement

11. Cash Management Agreement

1. Amending Agreement to Cash Management Agreement

12. Guaranteed Deposit Account Contract

13. Standby Guaranteed Deposit Account Contract

1. Amending Agreement to Standby Guaranteed Deposit Account Contract

14. Bank Account Agreement

1. Amending Agreement to Bank Account Agreement

15. Standby Bank Account Agreement

1. Amending Agreement to Standby Bank Account Agreement

16. Agency Agreement

1. Supplemental Agency Agreement

2. Assignment and Assumption Agreement re Swiss Covered Bonds

3. Assignment and Assumption Agreement re Australian Covered Bonds

4. CBL23 Swiss Paying Agency Agreement

5. CBL27 Swiss Paying Agency Agreement

6. CBL43 Swiss Paying Agency Agreement

7. CBL45 & CBL46 Swiss Paying Agency Agreement

8. Amended and Restated Agency Agreement

9. Amending Agreement to Amended and Restated Agency Agreement

10. The Second Amended and Restated Agency Agreement

11. The Amending Agreement to the Second Amended and Restated Agency Agreement

12. Supplemental Agency Agreement (Existing Bonds)

17. Master Definitions and Construction Agreement

1. Amended and Restated Master Definitions and Construction Agreement

2. Second Amended and Restated Master Definitions and Construction Agreement

3. Third Amended & Restated Master Definitions and Construction Agreement

4. Fourth Amended & Restated Master Definitions and Construction Agreement

5. Fifth Amended & Restated Master Definitions and Construction Agreement

6. Sixth Amended & Restated Master Definitions and Construction Agreement

1. Amending Agreement to Sixth Amended and Restated Master Definitions and Construction Agreement

2. Second Amending Agreement to Sixth Amended and Restated Master Definitions and Construction Agreement

3. Third Amending Agreement to Sixth Amended and Restated Master Definitions and Construction Agreement

7. Seventh Amended and Restated Master Definitions and Construction Agreement

8. Eight Amended and Restated Master Definitions and Construction Agreement

18. BNS Registration Agreement

1. BNS - A and R Registration Agreement

19. Corporate Services Agreement

20. Agent Appointment Agreement

21. Deed Poll

 

UKLA Offering Documents

  1. 2025 UKLA Final Prospectus
  2. 2024 UKLA Final Prospectus
              1. First Prospectus Supplement
              2. Second Prospectus Supplement
              3. Third Prospectus Supplement
  3. 2023 UKLA Final Prospectus
    1. First Prospectus Supplement
    2. Second Prospectus Supplement
    3. Third Prospectus Supplement
  4. 2022 UKLA Final Prospectus
    1. First Prospectus Supplement
    2. Second Prospectus Supplement
    3. Third Prospectus Supplement
    4. Fourth Prospectus Supplement
  5. 2021 UKLA Final Prospectus
    1. First Prospectus Supplement
    2. Second Prospectus Supplement
    3. Third Prospectus Supplement
    4. Fourth Prospectus Supplement
    5. Fifth Prospectus Supplement
    6. Sixth Prospectus Supplement
  6. 2020 UKLA Final Prospectus
    1. First Prospectus Supplement 
    2. Second Prospectus Supplement 
    3. Third Prospectus Supplement
    4. Fourth Prospectus Supplement
  7. 2019 UKLA Final Prospectus
    1. First Prospectus Supplement
    2. Second Prospectus Supplement
    3. Third Prospectus Supplement
    4. Fourth Prospectus Supplement
    5. Fifth Prospectus Supplement
    6. Sixth Prospectus Supplement
    7. Seventh Prospectus Supplement
  8. 2018 UKLA Final Prospectus
    1. First Prospectus Supplement
    2. Second Prospectus Supplement
    3. Third Prospectus Supplement
    4. Fourth Prospectus Supplement
    5. Fifth Prospectus Supplement
    6. Sixth Prospectus Supplement
    7. Seventh Prospectus Supplement
    8. Eighth Prospectus Supplement
    9. Ninth Prospectus Supplement
  9. 2017 UKLA Final Prospectus 
  10. 2016 UKLA Final Prospectus 
  11. 2015 UKLA Final Prospectus 
  12. 2014 UKLA Final Prospectus

U.S. Offering Documents

  1. Base Prospectus
  2. Amendment No. 4 to Form F-3 Registration Statement
  3. Amendment No. 3 to Form F-3 Registration Statement
  4. Form of Underwriting Agreement

Documents Incorporated by Reference

  1. Forms 40-F filed by the Bank
  2. Form 6-K filed by the Bank
  3. Forms 10-K filed by the Guarantor LP
  4. Forms 10-D filed by the Guarantor LP

AUD Offering Documents

  1. Information Memorandum 2014
  2. Information Memorandum 2022

CMHC Annual Compliance Certificates

  1. 2025 Annual Compliance Certificate
  2. 2024 Annual Compliance Certificate
  3. 2023 Annual Compliance Certificate
  4. 2022 Annual Compliance Certificate
  5. 2021 Annual Compliance Certificate
  6. 2020 Annual Compliance Certificate
  7. 2019 Annual Compliance Certificate
  8. 2018 Annual Compliance Certificate
  9. 2017 Annual Compliance Certificate 
  10. 2016 Annual Compliance Certificate 
  11. 2015 Annual Compliance Certificate