Royal Bank of Canada (RY)
NYSE: RY · Real-Time Price · USD
204.15
-0.08 (-0.04%)
Aug 31, 2026, 4:00 PM EDT - Market closed
Royal Bank of Canada Income Statement
Financials in millions CAD. Fiscal year is November - October.
Millions CAD. Fiscal year is Nov - Oct.
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 2026 | Apr '26 Apr 30, 2026 | Jan '26 Jan 31, 2026 | Oct '25 Oct 31, 2025 | Jul '25 Jul 31, 2025 | Apr '25 Apr 30, 2025 | Jan '25 Jan 31, 2025 | Oct '24 Oct 31, 2024 | Jul '24 Jul 31, 2024 | Apr '24 Apr 30, 2024 | Jan '24 Jan 31, 2024 | Oct '23 Oct 31, 2023 | Jul '23 Jul 31, 2023 | Apr '23 Apr 30, 2023 | Jan '23 Jan 31, 2023 | Oct '22 Oct 31, 2022 | Jul '22 Jul 31, 2022 | Apr '22 Apr 30, 2022 | Jan '22 Jan 31, 2022 | Oct '21 Oct 31, 2021 |
Interest Income on Loans | 14,177 | 13,620 | 13,910 | 14,195 | 14,033 | 13,484 | 14,330 | 14,405 | 14,433 | 12,933 | 12,269 | 11,863 | 11,219 | 10,384 | 9,997 | 8,540 | 6,761 | 5,707 | 5,557 | 5,412 |
Interest Income on Investments | 12,408 | 11,402 | 12,194 | 12,095 | 12,077 | 11,486 | 12,125 | 12,093 | 12,657 | 12,821 | 13,340 | 12,639 | 11,615 | 9,934 | 9,340 | 6,358 | 3,976 | 2,051 | 1,821 | 1,602 |
Total Interest Income | 26,585 | 25,022 | 26,104 | 26,290 | 26,110 | 24,970 | 26,455 | 26,498 | 27,090 | 25,754 | 25,609 | 24,502 | 22,834 | 20,318 | 19,337 | 14,898 | 10,737 | 7,758 | 7,378 | 7,014 |
Interest Paid on Deposits | 10,950 | 10,195 | 10,611 | 11,058 | 11,227 | 10,716 | 11,816 | 12,031 | 12,432 | 11,488 | 11,305 | 10,476 | 9,775 | 8,656 | 7,772 | 5,197 | 2,786 | 1,473 | 1,295 | 1,270 |
Interest Paid on Borrowings | 6,891 | 6,321 | 6,908 | 6,587 | 6,532 | 6,198 | 6,691 | 6,796 | 7,331 | 7,643 | 7,972 | 7,484 | 6,773 | 5,563 | 5,363 | 3,419 | 2,061 | 1,011 | 812 | 683 |
Total Interest Expense | 17,841 | 16,516 | 17,519 | 17,645 | 17,759 | 16,914 | 18,507 | 18,827 | 19,763 | 19,131 | 19,277 | 17,960 | 16,548 | 14,219 | 13,135 | 8,616 | 4,847 | 2,484 | 2,107 | 1,953 |
Net Interest Income | 8,744 | 8,506 | 8,585 | 8,645 | 8,351 | 8,056 | 7,948 | 7,671 | 7,327 | 6,623 | 6,332 | 6,542 | 6,286 | 6,099 | 6,202 | 6,282 | 5,890 | 5,274 | 5,271 | 5,061 |
Net Interest Income Growth (YoY) | 4.71% | 5.59% | 8.02% | 12.70% | 13.98% | 21.64% | 25.52% | 17.26% | 16.56% | 8.59% | 2.10% | 4.14% | 6.72% | 15.64% | 17.66% | 24.13% | 16.59% | 8.65% | 4.69% | 1.02% |
Trust Income | 3,116 | 2,915 | 2,924 | 2,794 | 2,642 | 2,544 | 2,667 | 2,501 | 2,382 | 2,257 | 2,185 | 2,106 | 2,099 | 2,083 | 2,056 | 1,900 | 1,857 | 1,892 | 1,961 | 1,888 |
Income From Trading Activities | 962 | 609 | 1,180 | 604 | 685 | 641 | 1,195 | 383 | 507 | 633 | 804 | 408 | 485 | 430 | 1,069 | 451 | -128 | 289 | 314 | 103 |
Gain (Loss) on Sale of Investments | 29 | 102 | 76 | 2 | 18 | 45 | 55 | 13 | 28 | 59 | 70 | 2 | 27 | 111 | 53 | -23 | 28 | 23 | 15 | 20 |
Gain (Loss) on Sale of Equity Investments | 27 | 24 | 37 | 13 | 25 | 16 | 19 | 11 | -57 | 18 | 12 | -223 | -37 | 12 | 29 | 24 | 33 | 24 | 29 | 34 |
Other Non-Interest Income | 5,660 | 5,297 | 5,158 | 5,151 | 5,264 | 4,370 | 4,855 | 4,495 | 4,444 | 4,564 | 4,082 | 3,850 | 4,117 | 3,710 | 3,948 | 3,933 | 4,452 | 3,718 | 5,476 | 5,270 |
Total Non-Interest Income | 9,794 | 8,947 | 9,375 | 8,564 | 8,634 | 7,616 | 8,791 | 7,403 | 7,304 | 7,531 | 7,153 | 6,143 | 6,691 | 6,346 | 7,155 | 6,285 | 6,242 | 5,946 | 7,795 | 7,315 |
Non-Interest Income Growth (YoY) | 13.44% | 17.48% | 6.64% | 15.68% | 18.21% | 1.13% | 22.90% | 20.51% | 9.16% | 18.67% | -0.03% | -2.26% | 7.19% | 6.73% | -8.21% | -14.08% | -18.98% | -12.09% | -1.43% | 20.27% |
Revenues Before Loan Losses | 18,538 | 17,453 | 17,960 | 17,209 | 16,985 | 15,672 | 16,739 | 15,074 | 14,631 | 14,154 | 13,485 | 12,685 | 12,977 | 12,445 | 13,357 | 12,567 | 12,132 | 11,220 | 13,066 | 12,376 |
Provision for Loan Losses | 1,000 | 912 | 1,090 | 1,007 | 881 | 1,424 | 1,050 | 840 | 659 | 920 | 813 | 720 | 616 | 600 | 532 | 381 | 340 | -342 | 105 | -227 |
| 17,538 | 16,541 | 16,870 | 16,202 | 16,104 | 14,248 | 15,689 | 14,234 | 13,972 | 13,234 | 12,672 | 11,965 | 12,361 | 11,845 | 12,825 | 12,186 | 11,792 | 11,562 | 12,961 | 12,603 | |
Revenue Growth (YoY) | 8.91% | 16.09% | 7.53% | 13.83% | 15.26% | 7.66% | 23.81% | 18.96% | 13.03% | 11.73% | -1.19% | -1.81% | 4.83% | 2.45% | -1.05% | -3.31% | -11.31% | -1.30% | 1.00% | 18.17% |
Salaries and Employee Benefits | 6,156 | 5,823 | 5,946 | 4,047 | 5,540 | 5,424 | 5,609 | 3,284 | 5,171 | 4,912 | 4,766 | 4,564 | 4,521 | 4,441 | 4,580 | 4,054 | 3,790 | 3,985 | 4,238 | 2,387 |
Amortization of Goodwill & Intangibles | 395 | 387 | 386 | 431 | 436 | 457 | 435 | 398 | 426 | 373 | 352 | 357 | 369 | 383 | 362 | 354 | 342 | 336 | 337 | 330 |
Selling, General & Administrative | 2,301 | 2,272 | 2,317 | 3,918 | 2,308 | 2,102 | 2,317 | 4,332 | 2,196 | 2,290 | 2,368 | 2,151 | 2,175 | 1,950 | 1,903 | 2,092 | 1,613 | 1,521 | 1,481 | 3,204 |
Other Non-Interest Expense | 937 | 955 | 814 | 978 | 948 | 747 | 895 | 1,005 | 806 | 733 | 838 | 987 | 700 | 626 | 744 | 825 | 1,491 | 412 | 1,521 | 1,694 |
Total Non-Interest Expense | 9,789 | 9,437 | 9,463 | 9,374 | 9,232 | 8,730 | 9,256 | 9,019 | 8,599 | 8,308 | 8,324 | 8,059 | 7,765 | 7,400 | 7,589 | 7,325 | 7,236 | 6,254 | 7,577 | 7,615 |
EBT Excluding Unusual Items | 7,749 | 7,104 | 7,407 | 6,828 | 6,872 | 5,518 | 6,433 | 5,215 | 5,373 | 4,926 | 4,348 | 3,906 | 4,596 | 4,445 | 5,236 | 4,861 | 4,556 | 5,308 | 5,384 | 4,988 |
Pretax Income | 7,749 | 7,104 | 7,407 | 6,828 | 6,872 | 5,518 | 6,433 | 5,215 | 5,373 | 4,926 | 4,348 | 3,906 | 4,596 | 4,445 | 5,236 | 4,861 | 4,556 | 5,308 | 5,384 | 4,988 |
Income Tax Expense | 1,725 | 1,595 | 1,622 | 1,394 | 1,458 | 1,128 | 1,302 | 993 | 887 | 976 | 766 | -33 | 736 | 765 | 2,103 | 979 | 979 | 1,055 | 1,289 | 1,096 |
Earnings From Continuing Operations | 6,024 | 5,509 | 5,785 | 5,434 | 5,414 | 4,390 | 5,131 | 4,222 | 4,486 | 3,950 | 3,582 | 3,939 | 3,860 | 3,680 | 3,133 | 3,882 | 3,577 | 4,253 | 4,095 | 3,892 |
Minority Interest in Earnings | -2 | -2 | -1 | -2 | 1 | -4 | -2 | -3 | -3 | -2 | -2 | -2 | -2 | -1 | -2 | -6 | -2 | -3 | -2 | -5 |
Net Income | 6,022 | 5,507 | 5,784 | 5,432 | 5,415 | 4,386 | 5,129 | 4,219 | 4,483 | 3,948 | 3,580 | 3,937 | 3,858 | 3,679 | 3,131 | 3,876 | 3,575 | 4,250 | 4,093 | 3,887 |
Preferred Dividends & Other Adjustments | 143 | 135 | 141 | 139 | 125 | 112 | 118 | 91 | 106 | 67 | 58 | 67 | 58 | 67 | 44 | 67 | 58 | 68 | 54 | 68 |
Net Income to Common | 5,879 | 5,372 | 5,643 | 5,293 | 5,290 | 4,274 | 5,011 | 4,128 | 4,377 | 3,881 | 3,522 | 3,870 | 3,800 | 3,612 | 3,087 | 3,809 | 3,517 | 4,182 | 4,039 | 3,819 |
Net Income Growth (YoY) | 11.13% | 25.69% | 12.61% | 28.22% | 20.86% | 10.13% | 42.28% | 6.67% | 15.18% | 7.45% | 14.09% | 1.60% | 8.05% | -13.63% | -23.57% | -0.26% | -16.99% | 6.20% | 6.65% | 20.36% |
Basic Shares Outstanding | 1,387 | 1,393 | 1,399 | 1,404 | 1,407 | 1,411 | 1,414 | 1,414 | 1,414 | 1,413 | 1,406 | 1,399 | 1,394 | 1,388 | 1,383 | 1,387 | 1,396 | 1,410 | 1,422 | 1,425 |
Diluted Shares Outstanding | 1,391 | 1,397 | 1,402 | 1,407 | 1,410 | 1,414 | 1,417 | 1,417 | 1,416 | 1,414 | 1,408 | 1,400 | 1,395 | 1,390 | 1,385 | 1,389 | 1,399 | 1,413 | 1,425 | 1,427 |
Shares Change (YoY) | -1.32% | -1.20% | -1.03% | -0.71% | -0.46% | -0.05% | 0.63% | 1.17% | 1.52% | 1.73% | 1.67% | 0.86% | -0.27% | -1.59% | -2.81% | -2.71% | -2.00% | -1.02% | -0.05% | 0.05% |
EPS (Basic) | 4.24 | 3.86 | 4.03 | 3.77 | 3.76 | 3.03 | 3.54 | 2.92 | 3.10 | 2.75 | 2.50 | 2.77 | 2.73 | 2.60 | 2.23 | 2.75 | 2.52 | 2.97 | 2.84 | 2.68 |
EPS (Diluted) | 4.23 | 3.85 | 4.03 | 3.76 | 3.75 | 3.02 | 3.54 | 2.91 | 3.09 | 2.74 | 2.50 | 2.77 | 2.73 | 2.60 | 2.23 | 2.75 | 2.51 | 2.96 | 2.84 | 2.67 |
EPS Growth (YoY) | 12.80% | 27.48% | 13.84% | 29.23% | 21.36% | 10.22% | 41.60% | 5.23% | 13.31% | 5.38% | 12.11% | 0.70% | 8.64% | -12.16% | -21.48% | 2.85% | -15.49% | 7.25% | 6.77% | 19.97% |
Additional Metrics
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 2026 | Apr '26 Apr 30, 2026 | Jan '26 Jan 31, 2026 | Oct '25 Oct 31, 2025 | Jul '25 Jul 31, 2025 | Apr '25 Apr 30, 2025 | Jan '25 Jan 31, 2025 | Oct '24 Oct 31, 2024 | Jul '24 Jul 31, 2024 | Apr '24 Apr 30, 2024 | Jan '24 Jan 31, 2024 | Oct '23 Oct 31, 2023 | Jul '23 Jul 31, 2023 | Apr '23 Apr 30, 2023 | Jan '23 Jan 31, 2023 | Oct '22 Oct 31, 2022 | Jul '22 Jul 31, 2022 | Apr '22 Apr 30, 2022 | Jan '22 Jan 31, 2022 | Oct '21 Oct 31, 2021 |
Dividend Per Share | 1.760 | 1.640 | 1.640 | 1.540 | 1.540 | 1.480 | 1.480 | 1.420 | 1.420 | 1.380 | 1.380 | 1.350 | 1.350 | 1.320 | 1.320 | 1.280 | 1.280 | 1.200 | 1.200 | 1.080 |
Dividend Growth (YoY) | 14.29% | 10.81% | 10.81% | 8.45% | 8.45% | 7.25% | 7.25% | 5.18% | 5.18% | 4.54% | 4.54% | 5.47% | 5.47% | 10.00% | 10.00% | 18.52% | 18.52% | 11.11% | 11.11% | 0% |
Effective Tax Rate | 22.26% | 22.45% | 21.90% | 20.42% | 21.22% | 20.44% | 20.24% | 19.04% | 16.51% | 19.81% | 17.62% | - | 16.01% | 17.21% | 40.16% | 20.14% | 21.49% | 19.88% | 23.94% | 21.97% |