RY Royal Bank of Canada (RY) Q4 FY25 earnings call
Royal Bank of Canada concluded FY25 with record Q4 earnings, showcasing the strength of its diversified business model and strong performance across all segments. The bank announced a dividend increase and raised its medium-term ROE target to 17%+, reflecting confidence in its strategic execution and robust capital generation. While geopolitical and trade uncertainties persist, particularly regarding CUSMA, RBC remains cautiously optimistic on the economic outlook, leveraging AI investments and strategic capital allocation to drive long-term shareholder value.
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RY operating KPIs by quarter
| KPI | Jul 2025 Q3 FY25 | This call Oct 2025 Q4 FY25 | Change vs prior quarter |
|---|---|---|---|
| Gross impaired loans | 8.8B CADGross impaired loans of $8.8 billion were down $0.2 billion or 3 basis points from last quarter, primarily driven by our wholesale portfolios, which saw lower new formations.Source: earnings call transcript | 8.7B CADGross impaired loans of $8.7 billion were down by $69 million or 2 basis points from last quarter, primarily driven by accounts returning to performing status and higher write-offs as total new formations were flat quarter-over-quarter.Source: earnings call transcript | -1.1% |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.