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Jul 31
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RBC Q3 2025 Earnings Report
Royal Bank of Canada reported strong Q3 2025 results with record net income and growth across all major segments.
Key Takeaways
RBC delivered record earnings in Q3 2025, driven by strong performance in Capital Markets, Personal and Commercial Banking, and improved credit provisions. Solid capital ratios and higher revenue contributed to a standout quarter.
Net income reached a record $5.4 billion, up 21% from last year
EPS grew to $3.75, while adjusted EPS rose to $3.84
Revenue increased to $16.985 billion, supported by growth in Capital Markets and Wealth Management
CET1 ratio remained strong at 13.2%, reflecting robust capital position
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.comCaribbean & U.S. Revenue
CapyFin.com Forward Guidance
RBC expects continued growth, driven by diversified operations and technology investments, while remaining cautious on trade disruptions and credit risks.
Positive Outlook
- Strong capital position with CET1 at 13.2%
- Broad-based revenue growth across segments
- Improved asset quality and lower PCL on performing loans
- Technology investments supporting long-term strategy
- Market share gains in Canadian banking segments
Challenges Ahead
- Ongoing global trade tensions affecting macroeconomic outlook
- Increased credit provisions in Capital Markets and Commercial Banking
- Higher non-interest expenses driven by compensation and tech costs
- Elevated insurance claims volatility in previous periods
- Foreign exchange fluctuations impacting earnings translation