Financial Ratios Royal Bank of Canada

Equities

RY

CA7800871021

Banks

Market Closed - Toronto S.E. Other stock markets 04:16:19 2025-01-24 pm EST			5-day change	1st Jan Change
175.96 ^CAD	+0.22%		+0.96%	+1.52%

Jan. 22	RBC Brief: Announcing offering of $1.5 Billion In non-viability contingent capital subordinated debentures through its Canadian Medium Term Note Program	MT
Jan. 22	Royal Bank of Canada Announces NVCC Subordinated Debenture Issue	CI

8d.wWBot5YXcUbXzFZ60L0tRkhUOA2GJQj7kTF3PxyNINk.9z8D3fxHHj_niBhIk_99Lh9lcDTJCFmvpwA1TXDoGa-YVweOyUUnC5i-NQ

Published financial data: ROYAL BANK OF CANADA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2020	2021	2022	2023	2024
Interest Income On Loans	23.42B	21.65B	26.56B	43.46B	54.04B
Interest Income On Investments	11.46B	6.49B	14.21B	43.53B	50.91B
Interest Income, Total	34.88B	28.14B	40.77B	86.99B	105B
Interest On Deposits	8.78B	5.45B	10.75B	36.68B	47.26B
Total Interest On Borrowings	5.26B	2.7B	7.3B	25.18B	29.74B
Interest Expense, Total	14.05B	8.14B	18.05B	61.86B	77B
Net Interest Income	20.84B	20B	22.72B	25.13B	27.95B
Trust Income	6.1B	7.13B	7.61B	8.34B	9.32B
Income From Trading Activities	1.24B	1.18B	926M	2.39B	2.33B
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	90M	145M	43M	193M	170M
Income (Loss) on Equity Invest. (Income Block)	77M	130M	110M	-219M	-16M
Total Other Non Interest Income	18.84B	21.1B	17.58B	20.29B	17.58B
Non Interest Income, Total	26.35B	29.69B	26.27B	31B	29.39B
Revenues Before Provison For Loan Losses	47.18B	49.69B	48.98B	56.13B	57.34B
Provision For Loan Losses	4.35B	-753M	484M	2.47B	3.23B
Total Revenues	42.83B	50.45B	48.5B	53.66B	54.11B
Salaries And Other Employee Benefits	14.68B	14.42B	16.07B	18.22B	18.13B
Amort. of Goodwill & Intang. Assets	1.27B	1.29B	1.37B	1.49B	1.55B
Selling General & Admin Expenses, Total	6.46B	7.97B	6.71B	8.26B	11.19B
Total Other Non Interest Expense	6.03B	6.14B	4.25B	7.23B	3.38B
Non Interest Expense, Total	28.44B	29.82B	28.39B	35.2B	34.25B
EBT, Excl. Unusual Items	14.39B	20.63B	20.11B	18.47B	19.86B
EBT, Incl. Unusual Items	14.39B	20.63B	20.11B	18.47B	19.86B
Income Tax Expense	2.95B	4.58B	4.3B	3.6B	3.62B
Earnings From Continuing Operations	11.44B	16.05B	15.81B	14.87B	16.24B
Net Income to Company	11.44B	16.05B	15.81B	14.87B	16.24B
Minority Interest	-5M	-12M	-13M	-7M	-10M
Net Income - (IS)	11.43B	16.04B	15.79B	14.86B	16.23B
Preferred Dividend and Other Adjustments	268M	257M	247M	236M	322M
Net Income to Common Incl Extra Items	11.16B	15.78B	15.55B	14.62B	15.91B
Net Income to Common Excl. Extra Items	11.16B	15.78B	15.55B	14.62B	15.91B
Per Share Items
Net EPS - Basic	7.84	11.08	11.08	10.51	11.27
Basic EPS - Continuing Operations	7.84	11.08	11.08	10.51	11.27
Basic Weighted Average Shares Outstanding	1.42B	1.42B	1.4B	1.39B	1.41B
Net EPS - Diluted	7.82	11.06	11.06	10.5	11.25
Diluted EPS - Continuing Operations	7.82	11.06	11.06	10.5	11.25
Diluted Weighted Average Shares Outstanding	1.43B	1.43B	1.41B	1.39B	1.41B
Normalized Basic EPS	6.31	9.04	8.94	8.29	8.79
Normalized Diluted EPS	6.29	9.03	8.93	8.28	8.77
Dividend Per Share	4.29	4.32	4.96	5.34	5.6
Payout Ratio	55.4	40.03	44.07	37.34	40.89
Supplemental Items
Effective Tax Rate - (Ratio)	20.52	22.2	21.39	19.5	18.24
Total Current Taxes	3.54B	4.78B	3.92B	4.83B	5.12B
Total Deferred Taxes	-590M	-204M	381M	-1.23B	-1.5B
Normalized Net Income	8.99B	12.88B	12.56B	11.53B	12.4B
Non-Cash Pension Expense	28M	22M	-74M	-153M	-132M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	570M	2.12B	461M	747M	2.95B
Total Stock-Based Compensation	570M	2.12B	461M	747M	2.95B

Fiscal Period: October	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	116B	112B	70.4B	58.99B	54.72B
Investment Securities, Total	490B	531B	594B	629B	672B
Trading Asset Securities, Total	205B	185B	247B	239B	344B
Mortgage Backed Securities	2.37B	2.75B	2.89B	2.7B	2.63B
Total investments	698B	719B	843B	870B	1,018B
Gross Loans	668B	722B	824B	858B	988B
Allowance For Loan Losses	-5.64B	-4.09B	-3.75B	-5B	-6.04B
Net Loans	662B	718B	821B	853B	982B
Gross Property Plant And Equipment	14.65B	15.1B	12.42B	12.83B	13.93B
Accumulated Depreciation	-6.72B	-7.68B	-5.2B	-6.08B	-7.08B
Net Property Plant And Equipment	7.93B	7.42B	7.21B	6.75B	6.85B
Goodwill	11.3B	10.85B	12.28B	12.59B	19.29B
Other Intangibles, Total	4.75B	4.47B	6.08B	5.91B	7.8B
Accrued Interest Receivable	2.36B	2.2B	4.7B	7.78B	7.9B
Other Receivables	12.16B	13.34B	14.48B	21.52B	21.78B
Restricted Cash	20.62B	16.54B	27.63B	23.1B	22.48B
Other Current Assets, Total	79.2B	89.46B	97.22B	136B	17.16B
Deferred Tax Assets Long-Term (Collected)	2.58B	2.01B	1.47B	2.45B	4.33B
Other Long-Term Assets, Total	7.78B	11.05B	11.82B	6.73B	9.35B
Total Assets	1,625B	1,706B	1,917B	2,005B	2,172B
Liabilities
Accounts Payable, Total	1.5B	1.87B	1.29B	1.6B	1.48B
Accrued Expenses, Total	12.58B	15.8B	19.96B	17.15B	20.05B
Interest Bearing Deposits	441B	462B	469B	1,044B	541B
Institutional Deposits	388B	416B	521B	-	670B
Non-Interest Bearing Deposits	183B	223B	219B	187B	198B
Total Deposits	1,012B	1,101B	1,209B	1,232B	1,410B
Short-Term Borrowings	8.35B	7.92B	19.65B	16.22B	14B
Current Portion of Long-Term Debt	269B	262B	273B	335B	305B
Current Portion of Leases	633M	631M	654M	653M	709M
Long-Term Debt	125B	102B	164B	154B	178B
Long-Term Leases	4.72B	4.45B	4.46B	4.11B	3.96B
Current Income Taxes Payable	2.21B	3.4B	2.14B	2.96B	2.4B
Accrued Interest Payable	2.86B	2.18B	5.02B	10.94B	13.23B
Other Current Liabilities - (Bank / Utility Template)	70.74B	77.92B	83.29B	85.19B	57.48B
Unearned Revenue Non Current	2.94B	3.52B	3.66B	3.83B	4.15B
Pension & Other Post Retirement Benefits	2.42B	2.04B	1.67B	1.61B	1.92B
Deferred Tax Liability Non-Current	52M	74M	439M	426M	542M
Other Non Current Liabilities	22.85B	23.71B	20.54B	21.6B	32.31B
Total Liabilities	1,538B	1,608B	1,809B	1,887B	2,044B
Preferred Stock Redeemable	23M	23M	23M	23M	-
Preferred Stock Non Redeemable	1.75B	4B	4B	4B	5.37B
Preferred Stock Convertible	4.18B	2.7B	3.3B	3.3B	3.65B
Preferred Stock - Others	-3M	-39M	-5M	-9M	11M
Total Preferred Equity	5.94B	6.68B	7.32B	7.31B	9.03B
Common Stock, Total	17.63B	17.73B	17.32B	19.4B	21.01B
Retained Earnings	59.81B	71.8B	78.04B	84.33B	88.61B
Treasury Stock	-129M	-73M	-334M	-231M	-61M
Comprehensive Income and Other	3.41B	2.53B	5.72B	6.85B	8.5B
Total Common Equity	80.72B	91.98B	101B	110B	118B
Minority Interest	103M	95M	111M	99M	103M
Total Equity	86.77B	98.76B	108B	118B	127B
Total Liabilities And Equity	1,625B	1,706B	1,917B	2,005B	2,172B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.42B	1.42B	1.38B	1.41B	1.42B
ECS Total Common Shares Outstanding	1.42B	1.42B	1.38B	1.4B	1.41B
Book Value / Share	56.75	64.57	72.85	78.79	83.46
Tangible Book Value	64.66B	76.66B	82.39B	91.85B	90.97B
Tangible Book Value Per Share	45.46	53.81	59.57	65.58	64.32
Average Assets	1,637B	1,678B	1,887B	2,003B	2,108B
Average Loans	647B	679B	768B	832B	918B
Total Debt	408B	376B	462B	510B	501B
Debt Equivalent of Unfunded Proj. Benefit Obligation	327M	-2.39B	-3.13B	-2.64B	-3.38B
Net Debt	-266B	-308B	-281B	-199B	-314B
Equity Method Investments, Total	652M	654M	711M	501M	835M
Full Time Employees	83.84K	85.3K	91.43K	91.4K	94.84K
Number Of Offices	1.33K	1.3K	1.27K	1.25K	1.29K

Fiscal Period: October	2020	2021	2022	2023	2024
Net Income	11.43B	16.04B	15.79B	14.86B	16.23B
Depreciation, Depletion & Amortization	1.33B	1.28B	1.26B	1.28B	1.36B
Amortization of Goodwill and Intangible Assets - (CF)	274M	251M	256M	332M	546M
Total Depreciation, Depletion & Amortization	1.61B	1.53B	1.52B	1.61B	1.91B
Amortization of Deferred Charges, Total	999M	1.04B	1.11B	1.16B	1.09B
(Gain) Loss On Sale of Asset - (CF)	8M	-26M	-100M	-92M	29M
(Gain) Loss on Sale of Investments - (CF)	-291M	-278M	-151M	28M	-170M
Total Asset Writedown	42M	29M	18M	108M	-17M
Provision for Credit Losses	4.35B	-753M	484M	2.47B	3.23B
(Income) Loss On Equity Investments - (CF)	-	-	-	-	16M
Change in Trading Asset Securities	-1.55B	14.78B	-67.83B	-30.12B	4.09B
Changes in Accrued Interest Receivable	-142M	-509M	333M	2.84B	1.67B
Change In Income Taxes	18M	1.74B	-3.34B	-986M	945M
Change in Other Net Operating Assets (Collected)	-3.9B	-62.01B	-35.02B	-8.79B	-95.96B
Other Operating Activities	-581M	593M	582M	-988M	-1.52B
Cash from Operations	11.99B	-27.83B	-86.59B	-17.91B	-68.46B
Capital Expenditure	-2.63B	-2.19B	-2.5B	-2.73B	-2.28B
Sale of Property, Plant, and Equipment	-	78M	-	1.71B	15M
Cash Acquisitions	-22M	-	-2.05B	-	-12.72B
Investment in Marketable and Equity Securities, Total	-36.91B	-55.24B	-52.19B	-27.25B	-5.91B
Other Investing Activities, Total	-	-	-313M	-	-
Cash from Investing	-39.56B	-57.35B	-57.05B	-28.26B	-20.89B
Short Term Debt Issued, Total	13M	-	9.61B	-	-
Long-Term Debt Issued, Total	2.75B	2.75B	1B	1.5B	3.25B
Total Debt Issued	2.76B	2.75B	10.61B	1.5B	3.25B
Short Term Debt Repaid, Total	-	-14M	-	-5.1B	-4.51B
Long-Term Debt Repaid, Total	-3.59B	-3.12B	-821M	-825M	-2.14B
Total Debt Repaid	-3.59B	-3.14B	-821M	-5.93B	-6.64B
Issuance of Common Stock	4.85B	4.85B	5.52B	4.24B	6.88B
Repurchase of Common Stock	-5.67B	-4.74B	-11.13B	-4.08B	-6.67B
Issuance of Preferred Stock	1.74B	2.24B	749M	-	2.7B
Repurchase of Preferred Stock	-1.51B	-1.48B	-155M	-	-1.02B
Common Dividends Paid	-6.06B	-6.16B	-6.71B	-5.31B	-6.32B
Preferred Dividends Paid	-268M	-257M	-247M	-236M	-322M
Common & Preferred Stock Dividends Paid	-6.33B	-6.42B	-6.96B	-5.55B	-6.64B
Net Increase (Decrease) in Deposit Accounts - (CF)	127B	88.88B	109B	43.99B	91.6B
Other Financing Activities, Total	-6M	-3M	-5M	-21M	-6M
Cash from Financing	119B	82.95B	106B	34.16B	83.45B
Foreign Exchange Rate Adjustments	1.06B	-2.81B	-4.15B	1.61B	628M
Net Change in Cash	92.58B	-5.04B	-41.45B	-10.41B	-5.27B
Supplemental Items
Cash Interest Paid	13.06B	7.56B	13.68B	54.7B	73.64B
Cash Income Tax Paid (Refund)	2.88B	4.2B	7.33B	4.96B	3.41B
Net Debt Issued / Repaid	-825M	-385M	9.79B	-4.43B	-3.39B

Fiscal Period: October	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.75	0.96	0.87	0.76	0.78
Return On Equity %	13.42	17.3	15.28	13.16	13.4
Return on Common Equity	14.08	18.28	16.13	13.85	14.09
Shareholders Value Added	2.19B	5.93B	4.49B	2.53B	3.23B
Margin Analysis
SG&A Margin	49.35	44.39	46.96	49.35	54.18
Net Interest Income / Total Revenues %	48.65	39.65	46.84	46.83	51.66
EBT Excl. Non-Recurring Items Margin %	33.6	40.9	41.46	34.41	36.71
Income From Continuing Operations Margin %	26.7	31.82	32.59	27.7	30.01
Net Income Margin %	26.69	31.79	32.56	27.69	29.99
Net Avail. For Common Margin %	26.07	31.28	32.06	27.25	29.4
Normalized Net Income Margin	20.99	25.54	25.89	21.49	22.92
Asset quality
Nonperforming Loans / Total Loans %	0.48	0.32	0.27	0.43	0.59
Nonperforming Loans / Total Assets %	0.2	0.14	0.11	0.18	0.27
Nonperforming Assets / Total Assets %	0.2	0.14	0.11	0.18	0.27
NPAs / Loans and OREO	0.48	0.32	0.27	0.43	0.59
NPAs / Equity	3.68	2.34	2.03	3.15	4.61
Allowance for Credit Losses / Net Charge-offs %	420.82	514.99	491.87	412.53	290.38
Allowance for Credit Losses / Nonperforming Loans %	176.49	177.17	170.67	135.1	102.9
Allowance for Credit Losses / Total Loans %	0.84	0.57	0.46	0.58	0.61
Net Charge-offs / Total Average Loans %	0.21	0.12	0.1	0.15	0.23
Provision for Loan Losses / Net Charge-offs %	324.7	-94.84	63.43	203.46	155.46
Earning Assets / IBL	112.69	112.42	115.2	114.61	114.77
Interest Income / Average Assets	2.13	1.68	2.16	4.34	4.98
Interest Expense / Average Assets	0.86	0.49	0.96	3.09	3.65
Net Interest Income / Average Assets	1.27	1.19	1.2	1.25	1.33
Non Interest Income / Average Assets	1.61	1.77	1.39	1.55	1.39
Non Interest Expense / Average Asset	1.74	1.78	1.5	1.76	1.62
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.19	5.18	5.32	5.38	5.4
Total Average Equity / Total Average Assets %	5.58	5.57	5.71	5.76	5.8
Total Equity + Allowance for Loan Losses / Total Loans %	13.83	14.22	13.56	14.29	13.48
Gross Loans / Total Deposits %	65.97	65.62	68.19	69.69	70.09
Net Loans / Total Deposits %	65.41	65.25	67.88	69.29	69.66
Tier 1 Capital Ratio %	13.5	14.9	13.8	15.7	14.6
Total Capital Ratio %	15.5	16.7	15.4	17.6	16.4
Core Tier 1 Capital Ratio	12.5	13.7	12.6	14.5	13.2
Tier 2 Capital Ratio	2	1.77	1.58	1.85	1.86
Coverage Ratio	176.49	177.17	170.67	135.1	102.9