• FinanceGuru : I'm still seeing $1 billion PCL for the quarter.

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• JGPM OP FinanceGuru : buy the dip

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• DanDha : If it sells down enough, I will average up.

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• Bravo Jordan : BMO has been in the same boat lately.

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• musang queen :

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• 104712493 : When Canada's big banks report their earnings, you can generally expect a few key signals or themes that investors and analysts will be looking for. Here’s a breakdown of what to focus on:
  1. Loan Growth and Credit Quality
  Loan growth: Investors will closely monitor trends in retail, commercial, and mortgage lending. Any signs of slowing loan growth can indicate challenges in the economy, such as higher interest rates or reduced consumer demand.
  2. Net Interest Margin (NIM) and Interest Rates
  Net Interest Margin: NIM reflects the difference between the interest income the bank earns on loans and the interest it pays on deposits. In a rising rate environment, NIM can expand, but if rates are high for too long, it may start to compress due to weaker loan demand or greater competition for deposits.
  Interest Rate Impact: The performance of Canadian banks is often closely tied to interest rates. Analysts will be looking for commentary on how banks are navigating higher rates, especially in the context of the Bank of Canada’s monetary policy.
  3. Fee Income and Wealth Management
  Banks in Canada earn significant revenue from wealth management, capital markets, and investment banking. Fee-based income from these sectors can be a major driver of profits.
  Investment banking performance: If capital markets are subdued, this may impact fees from trading, investment banking, and underwriting.
  Wealth and asset management: With the aging population, wealth management is an important area.
  4. Expenses and Efficiency
  Cost control: Banks will often provide guidance on their cost control measures. Analysts will be assessing whether banks are effectively managing their expenses, especially as many have made significant investments in digital transformation and technology.
  Efficiency ratio: This ratio measures how much it costs to generate a dollar of revenue. A lower ratio generally indicates a more efficient bank

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• 天生赢家贵公子 : $Bank of Nova Scotia (BNS.CA)$ Canadian major banks' fourth-quarter financial report: Which signals are worth paying attention to?
  With the imminent release of the fourth-quarter financial reports of Canada's five major banks (BNS, RY, TD, BMO, CM) in 2024, the market is eagerly anticipating their performance. Below are my personal analysis and opinions:
  Firstly, the Canadian banking industry faces the double-edged sword of interest rate environment. Due to the Bank of Canada's sustained high interest rates, the banks' net interest margin (NIM) may remain at a high level, providing support for profits. However, with interest rates staying elevated, consumer and corporate loan demand may weaken, and the risk of rising default rates cannot be ignored. In particular, the performance of the mortgage market will be the focus of investors.
  Secondly, against the backdrop of slowing global economic growth, the performance of Canadian banks' capital markets business may come under pressure. Although the stock market performed strongly in 2024, investment banking and trading income may be affected by market fluctuations. Pay close attention to BMO and RY, as their performance in the capital markets business may contribute significantly to the overall financial reports.
  Additionally, investors should focus on the banks' provisions. Faced with potential economic recession risks, whether the major banks will increase loan loss provisions will be an important signal for evaluating their future stability. In particular, TD and CM, due to their higher business presence in the USA market, their cross-border business performance may be more volatile.
  In conclusion, I believe that this financial reporting season will highlight the banks' ability to adapt in a high-interest rate environment and their defensive strategies against future economic uncertainties. For long-term investors, Canadian banks still have solid dividend and risk-resistant advantages, but it is essential to be vigilant against short-term volatility risks and pay attention to the management's forward-looking guidance.

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• udang merah :

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• tekka :

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• DanDha : LMAO yep

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• 李白的李 : Based on the trend of macroeconomics, there is no hope left.

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• SoundOfMusic OP : BCE, through its subsidiary FX Innovation, acquired HGC Technologies (HGC) in October 2024. HGC is a ServiceNow Elite partner based in Montréal, with operations in both Canada and the United States
  Key Capabilities and Potentials of HGC Technologies:
  ServiceNow Expertise: HGC specializes in ServiceNow implementations, offering a comprehensive suite of capabilities including application development, HR service management, and customer service delivery. This expertise allows them to provide customized integrations of the ServiceNow platform into their clients' ecosystems, accelerating business results.
  Process Automation and Cloud Technologies: HGC brings strong capabilities in process automation and cloud technologies, which are essential for digital transformation. Their solutions help businesses streamline operations, improve efficiency, and enhance customer experiences.
  North American Talent Base: HGC has a robust talent base in North America, which supports their growth and service delivery. This talent pool is crucial for expanding their reach and providing high-quality services to clients across the region.
  Strategic Alignment with FX Innovation: The acquisition of HGC strengthens FX Innovation's position as a leading ServiceNow partner. It enhances their ability to offer end-to-end ServiceNow-related services, AI-driven automation, and insights, helping clients drive business transformation.
  Expansion into the U.S. Market: HGC's existing U.S. customer base aligns with FX Innovation's strategic plans for expansion into the U.S. market. This provides immediate access to a new and growing customer segment, furthering BCE's growth ambitions.
  This acquisition marks another significant step in BCE's transformation journey from a traditional telecommunications company to a technology services leader, leveraging advanced digital and AI capabilities to support mission-critical business outcomes

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• SoundOfMusic OP : This article has an even better answer to my question. https://www.moomoo.com/news/post/46387587?futusource=news_stock_stockpagenews&ns_stock_id=202576&report_id=40693396&report_type=stock&src=2&stock_news_tab=news&ca_cid=71358824&main_broker=WzEwMTld&client_hour_clock=24&sg_cid=71358824&us_cid=71358824&channel=4&skintype=3&level=1&global_content=%7B%22promote_content%22%3A%22mm%3Apost%3A46387587%22%2C%22invite%22%3A71358824%7D&data_ticket=2be103370b4d116b00adea641f6754a3

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• 李白的李 : Bell needs to learn from Telus and spin off the enterprise business of the company for IPO. Analysts estimate that the dividends are unsustainable, with very heavy selling pressure recently and no bid support at all. On the other hand, Rogers, Telus, and even Québecor, despite experiencing corrections, have buying interest.

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• SoundOfMusic OP : The new dividend reinvestment plan will keep the payout ratio below 100%. Dividend reinvestment gives a 3% discount on the share price. The shares will be coming out from the treasuries. At any time, BCE can also do a share buyback to refill the treasuries, especially around these low prices.
  IPO and spinoff are good ideas.

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• Bryan Siow : I long for Bell looking forward 5 years performance

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