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Royal Bank of Canada (RY) investor relations material

Royal Bank of Canada Barclays 23rd Annual Global Financial Services Conference summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Barclays 23rd Annual Global Financial Services Conference summary9 Sep, 2025

Key achievements and integration progress

  • Achieved $740 million in cost synergies from the HSBC integration ahead of schedule, with final conversion of complex commercial clients completed on target in March.

  • Met year-one milestones for $300 million in revenue synergies and progressing into years two and three.

  • Maintained strong capital and liquidity positions, reporting CET1 of 13.2% and LCR of 128% as of Q3.

  • Hosted first all-bank strategy session at Investor Day since 2018, receiving positive feedback and planning to update targets at the Q4 analyst call.

Tariffs, credit, and macroeconomic outlook

  • Canadian consumers remain resilient with higher liquidity and continued discretionary spending, though mortgage growth has slowed due to economic uncertainty.

  • Commercial loan growth is slowing, with sector-specific impacts from tariffs, especially in aluminum and steel, while healthcare and professional services remain strong.

  • Wholesale segment saw a rebound in M&A activity in Q3, with increasing client optimism heading into Q4.

  • Q2 saw a $570 million increase in performing loan provisions, mainly due to scenario adjustments for tariff uncertainty and macro outlook updates; Q3 saw a small release as macro outlook improved.

  • Future provision releases depend on reduced uncertainty around tariffs and trade agreements, with prudent provisioning maintained.

AI, technology, and operational efficiency

  • AI is a strategic focus, with a target of $700 million to $1 billion in enterprise value by 2027, leveraging proprietary models and a large data infrastructure.

  • AI-driven efficiencies and productivity gains are expected to become more apparent by 2026–2027.

  • Expense growth in Q3 was driven by higher variable compensation and investments in technology and talent, with strong operating leverage expected in fiscal 2025.

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Frequently asked questions

Royal Bank of Canada operates as a diversified financial service company. It operates through Personal & Commercial Banking, Wealth Management, Investor & Treasury Services, and Capital Markets segments. The company offers personal deposit services that include savings accounts, checking accounts, GICs, term deposits, credit cards, mortgages, and personal credit lines; and business banking options comprising deposit accounts and business credit cards. The company provides their services to individual, business, public sector, and institutional clients worldwide.

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