Finance committee  I think the decision in terms of whether we would pass that on or take it on the bottom line would be an individual choice by institution. Clearly, what we would do is look at the impact of those costs. It would clearly have an impact on our investments and whether or not we woul

Finance committee  No, I didn't say that.

Finance committee  I think we are very transparent. I think that—

Finance committee  I think that 75% to 90% of our customers don't pay any fees, and those who access another system have the ability—

Finance committee  They're shown on the screen. They have a choice to make that payment or they can go elsewhere.

Finance committee  For proprietary reasons, no.

Finance committee  Yes, yes, and yes.

Finance committee  I'm not going to give any proprietary information, but I will tell you this. The issue of ATM fees, the cost of putting the network in place, is not just specific to that, as Tim indicated. When we open up a new branch--and we've opened 35 this year; we opened 15 last year--there

Finance committee  I think the market is the best common denominator in all of this. Regulating fees is not going to accomplish more choice and convenience for customers around the country. The bottom line is that customers have the opportunity to move somewhere else if they're not satisfied with t

Finance committee  I mentioned in my comments that the U.K. model was not a model that we should follow. I think that's a good comparison to make here, because in the U.K., in fact, there's a significantly smaller number of ABMs per capita than we have here in Canada, and they did abolish convenien

Finance committee  Good morning, Mr. Chair and members of the committee. Thank you for the opportunity to speak with you today. First of all, let me tell you a bit about our bank. Scotiabank is Canada's most international bank, anchored by a strong franchise here at home. We have just under 1,000