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Royal Bank of Canada
Royal Bank of Canada (RY) investor relations material
Royal Bank of Canada RBC Capital Markets Canadian Bank CEO Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.RBC Capital Markets Canadian Bank CEO Conference summary6 Jan, 2026
Conference overview
The 2026 RBC Canadian Bank CEO Conference featured fireside chats with a focus on bank-specific performance and strategy, emphasizing audience Q&A for deeper insights.
The Canadian economy showed resilience in 2025, with stable credit losses and constructive capital markets, despite low loan growth and ongoing tariff adjustments.
Canadian banks' valuations have risen, with forward P/E ratios now at 14x and trading at a premium to historical averages, raising expectations for returns and capital deployment.
Discussions centered on ROE improvement, capital management, and the importance of identifying banks with the highest returns and lowest risk.
Macroeconomic and industry outlook
Foreign investor sentiment toward Canada has shifted to a risk-on approach, driven by infrastructure and defense spending plans totaling over CAD 200 billion.
The Canadian consumer remains resilient, redirecting disposable income from housing to consumption, supporting job growth and stabilizing unemployment.
Commercial banking and capital markets activity have been strong, with high deposit and lending growth, and robust advisory and trading results offsetting mortgage sector weakness.
The U.S. and European markets also showed resilience, with strong consumer activity and revived capital markets, creating opportunities for long-term investment.
Return on equity (ROE) and capital strategy
The target CET1 capital ratio is set between 12.5% and 13.5%, with excess capital above 13.5% allocated to share buybacks.
The bank aims for a 17%+ ROE, balancing growth and capital efficiency, and leveraging strong organic capital generation for strategic flexibility.
ROE improvement is driven by NII growth, other income, and efficiency gains, including significant contributions from AI and digital transformation.
U.S. operations, especially City National and HSBC integration, are expected to enhance ROE as remediation and revenue targets are met.
RBC's path to 100bps ROA: key drivers
K-shaped economy: RBC's credit risk management
Capital deployment strategy with 80bps generation
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Next Royal Bank of Canada earnings date
Q1 202626 Feb, 2026
Royal Bank of Canada
Next Royal Bank of Canada earnings date
Q1 202626 Feb, 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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