Open main menu
Home
Random
Donate
Recent changes
Special pages
Community portal
Preferences
About Stockhub
Disclaimers
Search
User menu
Talk
Contributions
Create account
Log in
Editing
Royal Bank of Canada
(section)
Warning:
You are not logged in. Your IP address will be publicly visible if you make any edits. If you
log in
or
create an account
, your edits will be attributed to your username, along with other benefits.
Anti-spam check. Do
not
fill this in!
== Financials == === Income Statement === {| class="wikitable" |Fiscal Year is Nov-Oct. All values CAD millions | | | | | |- | |'''FY18''' |'''FY19''' |'''FY20''' |'''FY21''' |'''FY22''' |- |'''Interest Income''' |'''33,021.00''' |'''41,333.00''' |'''34,883.00''' |'''28,145.00''' |'''40,771.00''' |- |Interest and Fees on Loans |21,249.00 |24,863.00 |23,420.00 |21,654.00 |26,565.00 |- |Interest Income on Fed. Funds |5,536.00 |8,960.00 |4,668.00 |1,309.00 |5,447.00 |- |Interest on Bank Deposits |566.00 |683.00 |307.00 |305.00 |1,697.00 |- |Other Interest or Dividend Income |5,670.00 |6,827.00 |6,488.00 |4,877.00 |7,062.00 |- |Interest Income Growth | - |0.25 | -0.16 | -0.19 |0.45 |- |Total Interest Expense |15,069.00 |21,584.00 |14,048.00 |8,143.00 |18,054.00 |- |Interest Expense on Bank Deposits |9,842.00 |12,988.00 |8,783.00 |5,448.00 |10,751.00 |- |Other Interest Expense |5,227.00 |8,596.00 |5,265.00 |2,695.00 |7,303.00 |- |Interest Expense on Debt |322.00 |365.00 |280.00 |179.00 |288.00 |- |Other Borrowed Funds |4,905.00 |8,231.00 |4,985.00 |2,516.00 |7,015.00 |- |Total Interest Expense Growth | - |0.43 | -0.35 | -0.42 |1.22 |- |Net Interest Income |17,952.00 |19,749.00 |20,835.00 |20,002.00 |22,717.00 |- |Net Interest Income Growth | - |0.10 |0.06 | -0.04 |0.14 |- |Loan Loss Provision |1,307.00 |1,864.00 |4,351.00 | -753.00 |484.00 |- |Net Interest Income after Provision |16,645.00 |17,885.00 |16,484.00 |20,755.00 |22,233.00 |- |Net Interest Inc After Loan Loss Prov Growth | - |0.07 | -0.08 |0.26 |0.07 |- |Net Interest Margin | - | - | - | - |0.01 |- |Non-Interest Income |23,505.00 |25,191.00 |25,257.00 |28,495.00 |25,120.00 |- |Securities Gain |147.00 |125.00 |90.00 |145.00 |43.00 |- |Trading Account Income |1,150.00 |995.00 |1,239.00 |1,183.00 |926.00 |- |Trust Income, Commissions & Fees |16,601.00 |16,744.00 |17,703.00 |20,079.00 |20,129.00 |- |Trust Income |8,928.00 |9,376.00 |9,813.00 |11,383.00 |11,899.00 |- |Commission & Fee Income |7,673.00 |7,368.00 |7,890.00 |8,696.00 |8,230.00 |- |Other Operating Income |5,607.00 |7,327.00 |6,225.00 |7,088.00 |4,022.00 |- |Non-Interest Expense |25,509.00 |28,224.00 |28,441.00 |29,815.00 |28,392.00 |- |Labor & Related Expense |13,776.00 |14,600.00 |15,252.00 |16,539.00 |16,528.00 |- |Equipment Expense |3,151.00 |3,412.00 |3,567.00 |3,570.00 |3,653.00 |- |Depreciation & Amortization |569.00 |627.00 |1,333.00 |1,276.00 |1,265.00 |- |'''Operating Income''' |'''14,641''' |'''14,852''' |'''13,300''' |'''19,435''' |'''18,961''' |- |Operating Income Growth | - |0.01 | -0.10 |0.46 | -0.02 |- |Operating Income Margin | - | - | - | - |28.78% |- |Non-Operating Income (Expense) |1,098 |986.00 |1,012.00 |1,066 |1,038.00 |- |Miscellaneous Non Operating Expense |1,098 |986 |1,012 |1,066 |1,038 |- |'''Pretax Income''' |'''15,739''' |'''15,838''' |'''14,312''' |'''20,501''' |'''19,999''' |- |Pretax Income Growth | - |0.63% | -9.64% |43.24% | -2.45% |- |Pretax Margin | - | - | - | - |0.30 |- |Income Taxes |3,329.00 |3,043.00 |2,952.00 |4,581.00 |4,302.00 |- |Income Tax - Current - Domestic |3,128.00 |3,199.00 |3,542.00 |4,785.00 |3,921.00 |- |Income Tax - Deferred - Domestic |201 | -156 | -590.00 | -204.00 |381.00 |- |Equity in Affiliates |2100.00% |7600.00% |7700.00% |13000.00% |110 |- |Consolidated Net Income |12,431.00 |12,871.00 |11,437.00 |16,050.00 |15,807.00 |- |Minority Interest Expense |31.00 |11.00 |5.00 |12.00 |13.00 |- |'''Net Income''' |'''12,400''' |'''12,860''' |'''11,432''' |'''16,038''' |'''15,794''' |- |Net Income Growth | - |0.04 | -0.11 |0.40 | -0.02 |- |Net Margin | - | - | - | - |0.24 |- |Net Income After Extraordinaries |12,400.00 |12,860.00 |11,432.00 |16,038.00 |15,794.00 |- |Preferred Dividends |285 |269 |268 |257 |247 |- |Net Income Available to Common |12,115 |12,591 |11,164 |15,781 |15,547 |- |EPS (Basic) |8.39 |8.78 |7.84 |11.08 |11.08 |- |EPS (Basic) Growth | - |4.59% | -10.66% |41.31% | -0.03% |- |Basic Shares Outstanding |1,444.00 |1,435.00 |1,424.00 |1,424.00 |1,404.00 |- |'''EPS (Diluted)''' |'''8.36''' |'''8.75''' |'''7.82''' |'''11.06''' |'''11.06''' |- |EPS (Diluted) Growth | - |0.05 | -0.11 |0.41 |0.00 |- |Diluted Shares Outstanding |1,450.00 |1,441.00 |1,429.00 |1,427.00 |1,406.00 |} [[File:Net Income.png|center|thumb|400x400px]] === Balance Sheet === {| class="wikitable" !Fiscal Year is Nov-Oct. All values CAD millions !'''FY18''' !'''FY19''' !'''FY20''' !'''FY21''' !'''FY22''' |- |Total Cash & Due from Banks |44,676.00 |41,939.00 |137,007.00 |128,387.00 |98,031.00 |- |Cash & Due from Banks Growth | - | -6.13% |227% | -6% | -24% |- |Investments - Total |611,507.00 |657,525.00 |702,317.00 |688,168.00 |790,507.00 |- |Trading Account Securities |220,741.00 |247,259.00 |247,007.00 |233,193.00 |303,685.00 |- |Federal Funds Sold & Securities Purchased |294,602.00 |306,961.00 |313,015.00 |307,903.00 |317,845.00 |- |Securities Bought Under Resale Agreement |294,602 |306,961 |313,015 |307,903 |317,845 |- |Treasury Securities |24,690.00 |23,574.00 |34,374.00 |36,746.00 |36,081.00 |- |Federal Agency Securities |238.00 |657.00 |2,541.00 |3,703.00 |3,781.00 |- |State & Municipal Securities |34,018.00 |40,437.00 |64,070.00 |65,370.00 |80,614.00 |- |Mortgage Backed Securities |10,345.00 |11,476.00 |10,798.00 |11,070.00 |11,647.00 |- |Other Securities |25,317.00 |26,326.00 |27,960.00 |28,595.00 |37,895.00 |- |Other Investments |1,556.00 |835.00 |2,552.00 |1,588.00 | -1,041.00 |- |Investments Growth | - |7.53% |6.81% | -2.01% |14.87% |- |Net Loans |613,289.00 |657,201.00 |700,005.00 |797,213.00 |927,976.00 |- |Commercial & Industrial Loans |185,144.00 |201,304.00 |214,397.00 |230,069.00 |286,636.00 |- |Consumer & Installment Loans |112,115 |112,561 |109,637 |111,263 |118,286 |- |Interbank Loans |36,471.00 |38,345.00 |39,013.00 |79,638.00 |108,011.00 |- |Real Estate Mortgage Loans |282,471.00 |308,091.00 |342,597.00 |380,332.00 |418,796.00 |- |Loan Loss Allowances (Reserves) | -2,912.00 | -3,100.00 | -5,639.00 | -4,089.00 | -3,753.00 |- |Investment in Unconsolidated Subs. |686.00 |652.00 |652.00 |654.00 |711.00 |- |Customer Liability on Acceptances |15,641.00 |18,062.00 |18,507.00 |19,798.00 |17,827.00 |- |Loans - 1 Yr Growth Rate | - |0.07 |0.07 |0.14 |0.16 |- |Net Property, Plant & Equipment |2,832.00 |3,191.00 |7,934.00 |7,424.00 |7,214.00 |- |Other Assets (Including Intangibles) |44,628 |48,376 |55,547 |62,668 |73,481 |- |Other Assets |28,804.00 |32,466.00 |39,493.00 |47,343.00 |55,121.00 |- |Intangible Assets |15,824.00 |15,910.00 |16,054.00 |15,325.00 |18,360.00 |- |Deferred Charges |626.00 |147.00 |143.00 |2,640 |3,331 |- |'''Total Assets''' |'''1,334,734''' |'''1,428,935''' |'''1,624,548''' |'''1,706,323''' |'''1,917,219''' |- |Total Deposits |803,676.00 |860,214.00 |967,363.00 |1,058,841.00 |1,164,802.00 |- |Demand Deposits |373,718.00 |397,071.00 |498,217.00 |563,513.00 |551,649.00 |- |Savings/Time Deposits |429,958.00 |463,143.00 |469,146.00 |495,328.00 |613,153.00 |- |Deposits Growth | - |0.07 |0.12 |0.09 |0.10 |- |'''Total Debt''' |'''248,466.00''' |'''262,192.00''' |'''333,977.00''' |'''318,861.00''' |'''342,703.00''' |- |ST Debt & Current Portion LT Debt |208,324.00 |228,967.00 |282,395.00 |255,669.00 |277,471.00 |- |Current Portion of Long Term Debt | - | - |633.00 |819.00 |764.00 |- |Short Term Debt |208,324.00 |228,967.00 |281,762.00 |254,850.00 |276,707.00 |- |Long-Term Debt |40,142.00 |33,225.00 |51,582.00 |63,192.00 |65,232.00 |- |LT Debt excl. Capitalized Leases |40,142.00 |33,225.00 |46,858.00 |58,746.00 |60,776.00 |- |Provision for Risks & Charges |2,409.00 |3,280.00 |3,042.00 |2,639.00 |2,295.00 |- |Long Term Debt Growth | - | -17.23% |55.25% |22.51% |3.23% |- |Deferred Tax Liabilities | -1,391.00 | -1,907.00 | -2,527.00 | -1,937.00 | -1,033.00 |- |Deferred Taxes - Credit |84.00 |82.00 |52.00 |74.00 |439.00 |- |Deferred Taxes - Debit |1,475.00 |1,989.00 |2,579.00 |2,011.00 |1,472.00 |- |Other Liabilities |200,144.00 |219,542.00 |233,347.00 |227,146.00 |298,805.00 |- |Other Liabilities (excl. Deferred Income) |197,885.00 |216,979.00 |230,402.00 |223,628.00 |295,145.00 |- |Deferred Income |2,259.00 |2,563.00 |2,945.00 |3,518.00 |3,660.00 |- |'''Total Liabilities''' |'''1,254,779.00''' |'''1,345,310.00''' |'''1,537,781.00''' |'''1,607,561.00''' |'''1,809,044.00''' |- |Preferred Stock (Carrying Value) |6,306.00 |5,706.00 |5,948.00 |6,723.00 |7,323.00 |- |Non-Redeemable Preferred Stock |6,306.00 |5,706.00 |5,948.00 |6,723.00 |7,323.00 |- |Common Equity (Total) |73,555.00 |77,817.00 |80,716.00 |91,944.00 |100,741.00 |- |Common Stock Par/Carry Value |17,635.00 |17,645.00 |17,628.00 |17,728.00 |17,318.00 |- |Retained Earnings |51,112 |55,981 |59,806 |71,795 |78,037 |- |Cumulative Translation Adjustment/Unrealized For. Exch. Gain |4,147.00 |4,221.00 |4,632.00 |2,055.00 |5,688.00 |- |Unrealized Gain/Loss Marketable Securities | -12 |33 | -139 | -88.00 | -2,357.00 |- |Other Appropriated Reserves |688.00 | -6.00 | -1,079.00 |566.00 |2,394.00 |- |Treasury Stock | -15.00 | -57.00 | -132.00 | -112.00 | -339.00 |- |Common Equity / Total Assets |0.06% |0.05% |0.05% |0.05% |0.05% |- |'''Total Shareholders' Equity''' |'''79,861.00''' |'''83,523.00''' |'''86,664.00''' |'''98,667.00''' |'''108,064.00''' |- |Total Shareholders' Equity / Total Assets |5.98% |5.85% |5.33% |5.78% |5.64% |- |Return On Average Total Equity | - | - | - | - |0.15 |- |Accumulated Minority Interest |94.00 |102.00 |103.00 |95.00 |111.00 |- |'''Total Equity''' |'''79,955.00''' |'''83,625.00''' |'''86,767.00''' |'''98,762.00''' |'''108,175.00''' |- |'''Liabilities & Shareholders' Equity''' |'''1,334,734.00''' |'''1,428,935.00''' |'''1,624,548.00''' |'''1,706,323.00''' |'''1,917,219.00''' |} === Cash Flow Statement === {| class="wikitable" !Fiscal Year is Nov-Oct. All values CAD millions !'''FY18''' !'''FY19''' !'''FY20''' !'''FY21''' !'''FY22''' |- |Funds from Operations |15,659.00 |15,705.00 |17,567.00 |18,166.00 |19,261.00 |- |Funds from Operations Growth | - |0.29% |11.86% |3.41% |6.03% |- |Changes in Working Capital |1,408.00 |9,808.00 |25.00 |1,124 |62,826 |- |'''Net Operating Cash Flow''' |'''17,067.00''' |'''25,513.00''' |'''17,592.00''' |'''19,290.00''' |'''82,087.00''' |- |Net Operating Cash Flow Growth | - |49.49% | -31.05% |9.65% |325.54% |- | | | | | | |- |Capital Expenditures | -1,980 | -2,261 | -2,629 | -2,186 | -2,500 |- |Capital Expenditures (Fixed Assets) | -1,980 | -2,261 | -2,629 | -2,186 | -2,500 |- |Net Assets from Acquisitions | -65 | -106 | -22 | - | -2,360 |- |Sale of Fixed Assets & Businesses |14.00 |173.00 | - |78.00 | - |- |Purchase/Sale of Investments | -72,523 | -45,214 | -43,835 |5,273 | -101,592 |- |Purchase of Investments | -132,912.00 | -110,591.00 | -167,498.00 | -126,711.00 | -200,735.00 |- |Sale/Maturity of Investments |60,389 |65,377 |123,663 |131,984 |99,143 |- |Increase in Loans | -45,286 | -44,546 | -46,315 | -95,605 | -131,026 |- |'''Net Investing Cash Flow''' |'''-119,840''' |'''-91,954''' |'''-92,801''' |'''-92,440''' |'''-237,478''' |- |Net Investing Cash Flow Growth | - |23.27% | -0.92% |0.39% | -156.90% |- |Cash Dividends Paid - Total | -5,640 | -6,025.00 | -6,333.00 | -6,420.00 | -6,960.00 |- |Common Dividends | -5,640.00 | -6,025.00 | -6,333.00 | -6,420.00 | -6,960.00 |- |Cash Dividend Growth | - | -0.07 | -0.05 | -1.37% | -8.41% |- |Increase in Deposits |48,499 |49,808 |126,826 |88,876 |108,533 |- |Change in Capital Stock | -2,043.00 | -1,567.00 | -582.00 |880.00 | -5,008.00 |- |Repurchase of Common & Preferred Stk. | -7,853 | -7,544 | -7,175 | -6,218 | -11,282 |- |Sale of Common & Preferred Stock |5,810 |5,977 |6,593 |7,098 |6,274 |- |Proceeds from Stock Options |5,810 |5,977 |6,593 |7,098 |6,274 |- |Issuance/Reduction of Debt, Net |63,730 |19,909 |47,408 | -11,794 |22,163 |- |Change in Current Debt |63,730 |19,509 |47,658 | -12,044 |21,355 |- |Change in Long-Term Debt | - |400 | -250 |250 |808 |- |Issuance of Long-Term Debt | - |1,500 |2,750 |2,750 |1,000 |- |Reduction in Long-Term Debt | - | -1,100 | -3,000 | -2,500 | -192 |- |Other Funds | -37.00 | -2.00 | -6.00 | -3.00 | -5.00 |- |Other Uses | -37.00 | -2.00 | -6.00 | -3.00 | -5.00 |- |'''Net Financing Cash Flow''' |'''104,509''' |'''62,123''' |'''166,725''' |'''70,918''' |'''118,094''' |- |Net Financing Cash Flow Growth | - | -40.56% |168.38% | -57.46% |66.52% |} {| class="wikitable" !Profitability Ratios | | | | | |- | |FY18 |FY19 |FY20 |FY21 |FY22 |- |Operating Profit Margin |44.34% |35.93% |38.13% |69.05% |46.51% |- |Pretax Profit Margin |47.66% |38.32% |41.03% |72.84% |49.05% |- |Net Profit Margin |37.55% |31.11% |32.77% |56.98% |38.74% |- |Return on Assets (ROA) |0.93% |0.90% |0.70% |0.94% |0.82% |- |Return on Equity (ROE) |15.51% |15.38% |13.18% |16.24% |14.60% |}
Summary:
Please note that all contributions to Stockhub may be edited, altered, or removed by other contributors. If you do not want your writing to be edited mercilessly, then do not submit it here.
You are also promising us that you wrote this yourself, or copied it from a public domain or similar free resource (see
Stockhub:Copyrights
for details).
Do not submit copyrighted work without permission!
Cancel
Editing help
(opens in new window)
