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Jan 31
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RBC Q1 2025 Earnings Report
Royal Bank of Canada reported strong financial results, achieving significant YoY growth in net income and EPS.
Key Takeaways
Royal Bank of Canada (RBC) delivered a strong Q1 2025 performance with net income of $5.1 billion, up 43% YoY, and diluted EPS of $3.54, up 42% YoY. Adjusted net income was $5.3 billion, reflecting a 29% YoY increase. Total revenue grew 24% to $16.74 billion, driven by higher net interest income and fee-based revenue. The bank maintained a robust CET1 ratio of 13.2%, supporting capital growth and shareholder returns.
Net income surged 43% YoY to $5.1 billion, driven by growth across business segments.
Diluted EPS increased 42% YoY to $3.54, while adjusted EPS rose 27% to $3.62.
Total revenue climbed 24% YoY to $16.74 billion, boosted by net interest income growth.
CET1 ratio remained strong at 13.2%, enabling capital deployment and shareholder returns.
RBC
RBC
RBC Revenue by Segment
RBC Revenue by Geographic Location
Revenue by Segment
Personal Banking Revenue
CapyFin.comCommercial Banking Revenue
CapyFin.comWealth Management Revenue
CapyFin.comInsurance Revenue
CapyFin.comCapital Markets Revenue
CapyFin.comRevenue by Geographic Location
Canada Revenue
CapyFin.com Forward Guidance
RBC expects continued growth in 2025, supported by strong capital levels, disciplined risk management, and strategic investments in technology and talent.
Positive Outlook
- Revenue growth across all business segments driven by increased client activity.
- Continued investment in digital banking and technology to enhance client experience.
- Resilient net interest income supported by stable margins and volume growth.
- Robust capital position enabling continued dividend growth and share buybacks.
- Expansion in wealth management and capital markets to drive future profitability.
Challenges Ahead
- Macroeconomic uncertainties and potential global trade disruptions.
- Regulatory changes and evolving capital requirements affecting profitability.
- Competitive pricing pressures in deposits and lending products.
- Higher provisions for credit losses in commercial banking and wealth management.
- Potential foreign exchange volatility impacting international earnings.
Revenue & Expenses
Visualization of income flow from segment revenue to net income