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Royal Bank of Canada
Royal Bank of Canada (RY) investor relations material
Royal Bank of Canada Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary26 Feb, 2026
Executive summary
Record net income of $5.8 billion for Q1 2026, up 13% year-over-year, with diluted EPS rising 14% to $4.03 and ROE at 17.6%; adjusted net income was $5.9 billion, up 12% year-over-year, and adjusted diluted EPS was $4.08, up 13% year-over-year.
Strong performance across Wealth Management, Personal Banking, Commercial Banking, and Capital Markets, partially offset by lower Insurance results.
Pre-provision, pre-tax earnings rose 14% year-over-year to $8.5 billion, reflecting higher net interest income and fee-based revenue.
Robust capital position with CET1 ratio at 13.7%, above regulatory requirements, supporting continued investment and shareholder returns.
$3.3 billion returned to shareholders, including $1.0 billion in share buybacks and $2.3 billion in dividends.
Financial highlights
Total revenue rose 7% year-over-year to $17.96 billion, driven by higher net interest income and fee-based revenue; net interest income increased 8% year-over-year.
Non-interest expense increased 2% year-over-year (3% adjusted), mainly due to higher compensation and staff-related costs.
Provision for credit losses (PCL) was $1.09 billion, up 4% year-over-year, with higher provisions in Capital Markets and Personal Banking; PCL on loans ratio at 41 bps.
ROE improved to 17.6%, up 80 bps year-over-year; adjusted ROE was 17.8%.
Efficiency ratio improved to 52.7%, down 260 bps year-over-year.
Outlook and guidance
Management highlights a strong start to the fiscal year, emphasizing robust balance sheet, capital position, and premium ROE.
Economic growth expected to remain positive in Canada, U.S., and Europe, with moderate GDP growth and stable unemployment rates.
No further interest rate reductions expected from the U.S. Federal Reserve or Bank of Canada in 2026.
Key risks include trade policy uncertainty, inflation pressures, and global geopolitical tensions.
Pro-forma retail credit risk model changes expected to impact CET1 ratio by -10 bps in Q2 2026.
Impact of macro forecast on performing PCL
Drivers of LCR and NSFR decline last quarter
Impact of higher staff costs on segment profitability
How does RBC leverage data scale for growth?
What is the strategy for organic RWA deployment?
Outlook for Canadian Banking NIM beyond Q2?
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Next Royal Bank of Canada earnings date
2026 RBC Capital Markets Global Financial Institutions Conference10 Mar, 2026
Royal Bank of Canada
Next Royal Bank of Canada earnings date
2026 RBC Capital Markets Global Financial Institutions Conference10 Mar, 2026
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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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