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Royal Bank of Canada
(NYSE:RY) 

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Royal Bank of Canada operates as a diversified financial service company worldwide. The company's Personal & Commercial Banking segment offers checking and savings accounts, home equity financing, personal lending, private banking, indirect lending, mutual funds and self-directed brokerage accounts,...

Founded: 1864
Full Time Employees: 83,842
Sector: Financial Services
Industry: Banks-Diversified
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At a glance:
  • Earnings Driven by Net Interest Income and Capital Markets: Royal Bank of Canada’s results are typically supported by a diversified mix of personal & commercial banking, wealth management, and capital markets, with profitability sensitive to loan growth, trading/investment banking conditions, and net interest margin trends.
  • Credit Quality and Provisioning Remain Key Swing Factors: Loan-loss provisions and indicators like delinquency trends—especially in Canadian consumer lending and commercial real estate exposures—can meaningfully affect quarterly earnings as macro conditions and borrower stress evolve.
  • Canadian Housing and Domestic Economy Exposure: As a major Canadian lender, RBC’s performance is influenced by housing activity, mortgage renewals, and broader Canadian economic conditions, including employment and rates, which can impact both loan demand and borrower affordability.
  • Capital, Dividends, and Regulatory Buffers in Focus: Investors track capital strength (e.g., CET1 ratio), dividend sustainability/growth, and any impacts from regulatory changes or acquisition-related capital usage, as these factors influence shareholder returns and balance-sheet flexibility.
  • Cost Discipline and Digital Investment Impact Efficiency: Operating leverage depends on managing expenses while investing in technology and digital capabilities; efficiency ratio trends and productivity initiatives are important determinants of medium-term profitability.
Bull Thesis:
  • Diversified Business Model & Revenue Streams: RBC's broad portfolio across personal & commercial banking, wealth management, capital markets, and insurance provides resilience and multiple avenues for growth, mitigating risks from any single segment and offering stable, diversified earnings.
  • Strong Capital Position & Shareholder Returns: RBC consistently maintains robust capital ratios (CET1) well above regulatory requirements, enabling it to support continued dividend growth, execute share buybacks, and weather economic downturns, appealing to long-term income-focused investors.
  • Dominant Canadian Market Share & Brand Strength: As the largest bank in Canada by market capitalization and assets, RBC benefits from significant economies of scale, strong brand loyalty, and a stable domestic market, providing a solid foundation for consistent earnings and competitive advantage.
  • Growth in Wealth Management & US Operations: The wealth management division, including City National Bank in the US, is a key growth engine, offering higher-margin, recurring revenue. It benefits from demographic trends (e.g., wealth transfer) and strategic expansion into the affluent US market.
Bear Thesis:
  • Exposure to Canadian Housing Market Risk: A substantial portion of RBC's loan book is tied to the Canadian residential mortgage market. A significant correction in housing prices, coupled with high household debt levels and rising interest rates, could lead to increased loan losses and impaired assets.
  • Net Interest Margin (NIM) Pressure & Interest Rate Sensitivity: While higher rates initially boosted NIM, sustained high rates could lead to increased credit defaults and slower loan growth. Conversely, a rapid decline in interest rates could compress NIM, impacting core banking profitability.
  • Potential for Increased Credit Provisions in Economic Slowdown: A weakening economic outlook in Canada and globally, characterized by higher unemployment and business failures, could necessitate higher provisions for credit losses, directly impacting RBC's profitability and earnings per share.
  • Regulatory & Compliance Burden: As a systemically important financial institution, RBC faces ongoing and increasing regulatory scrutiny, compliance costs, and potential for new capital requirements. These factors can constrain profitability, operational agility, and innovation.
Main Competitors:
  • Bank of Nova Scotia ($BNS) (Retail Banking, International Banking, Capital Markets), A major competitor in Canada across retail, commercial, wealth, and capital markets. Also competes significantly in international banking, particularly in Latin America and the Caribbean, where RBC also has some presence.
  • Bank of Montreal ($BMO) (Personal & Commercial Banking, Wealth Management, Capital Markets), Competes directly with RBC in Canada across all major banking segments. Has a strong presence in the U.S. through BMO Harris Bank, challenging RBC's North American ambitions in retail and commercial banking.
  • Canadian Imperial Bank of Commerce ($CM) (Personal & Commercial Banking, Wealth Management, Capital Markets), Another one of Canada's 'Big Five' banks, CIBC competes across all core banking segments including retail, commercial, wealth management, and capital markets, with a growing presence in the U.S. through CIBC Bank USA.
  • Wealthsimple Financial Inc. (Robo-advisory, Commission-free Trading, Digital Cash Accounts), Represents the growing threat from fintech companies, primarily competing with RBC's wealth management division through its low-cost, digital-first investment platforms (robo-advisor, self-directed trading) and increasingly with its personal banking services through cash accounts and payment solutions.
Moat:
RBC's competitive moat is built on its immense scale, strong brand recognition, diversified business model across retail, commercial, wealth, and capital markets, and significant regulatory barriers to entry in Canada. Its extensive physical and digital infrastructure fosters high customer stickiness. However, it faces intense competition from other large Canadian banks across all segments, as well as increasing pressure from agile fintech companies offering specialized, low-cost digital solutions, and global financial institutions in capital markets and international wealth management.
Income Statements:
Quarterly
Annual
    Unit: USD2025-12-03 2025-07-31 2024-12-04 2024-04-30 2024-01-31 2023-07-31 2022-11-30 2022-03-03 2021-12-01 2021-03-04 2020-12-02 2019-12-04 2018-11-28 2018-02-23 2017-11-29 2017-08-23 2016-11-30 2015-12-02 2015-08-26 2014-12-03 2013-12-05 2012-11-29 2010-08-26 2010-03-03 2009-12-04 2009-02-26 2008-12-05 2008-08-28 2008-02-29 2007-05-25 2006-11-30 2006-08-25 2006-05-26 2006-03-03 2005-08-26 2005-05-27 2004-11-30 2004-09-13 2004-03-05 2003-11-25 2003-06-04 2003-03-14 2002-08-23 
                                               
      interest and dividend income
    		                                           
      loans
    		14,195,000,000 14,033,000,000 14,405,000,000 12,933,000,000  11,219,000,000  21,654,000,000  23,420,000,000   5,733,000,000  542,617 534,034 521,604 472,223  435,229 408,666 378,244 3,300,000,000 3,344,000,000 3,350,000,000 3,589,000,000 3,843,000,000 3,517,000,000 3,930,000,000 3,556,000,000 3,395,000,000 3,277,000,000 3,066,000,000 2,970,000,000 2,769,000,000 2,614,000,000 2,491,000,000 2,520,000,000 2,433,000,000 2,478,000,000 2,486,000,000 2,617,000,000 2,782,000,000,000 
      securities
    		5,321,000,000 5,057,000,000 4,438,000,000 4,194,000,000  3,751,000,000  4,877,000,000  6,488,000,000   1,434,000,000  218,379 214,170 236,093 215,508  199,148 182,718 161,611 1,190,000,000 1,219,000,000 1,276,000,000 1,871,000,000 1,711,000,000 1,619,000,000 1,810,000,000 2,161,000,000 1,640,000,000 1,569,000,000 1,502,000,000 1,444,000,000 1,038,000,000 1,110,000,000     736,000,000 796,000,000 762,000,000,000 
      assets purchased under reverse repurchase agreements and securities borrowed
    		5,607,000,000 5,524,000,000 6,257,000,000 7,011,000,000  6,063,000,000  1,309,000,000  4,668,000,000   1,642,000,000          128,000,000 93,000,000 126,000,000 393,000,000 586,000,000 674,000,000 934,000,000 911,000,000 909,000,000 839,000,000 594,000,000 574,000,000 375,000,000 296,000,000        
      deposits and other
    		1,167,000,000 1,496,000,000 1,398,000,000 1,616,000,000  1,801,000,000  305,000,000  307,000,000   181,000,000                               
      interest expense
    		                                           
      other liabilities
    		6,426,000,000 6,377,000,000 6,603,000,000 7,454,000,000  6,599,000,000  2,516,000,000  4,985,000,000   1,411,000,000          583,000,000 623,000,000 516,000,000 546,000,000 666,000,000 704,000,000 1,077,000,000 1,377,000,000 1,247,000,000 1,126,000,000 1,046,000,000 862,000,000 637,000,000 551,000,000 427,000,000 416,000,000 373,000,000 403,000,000 378,000,000 398,000,000 351,000,000,000 
      subordinated debentures
    		161,000,000 155,000,000 193,000,000 189,000,000  174,000,000  179,000,000  280,000,000   87,000,000          76,000,000 79,000,000 86,000,000 101,000,000 101,000,000 92,000,000 81,000,000 85,000,000 101,000,000 104,000,000 106,000,000 108,000,000 114,000,000 111,000,000 111,000,000 110,000,000 103,000,000 93,000,000 93,000,000 96,000,000 101,000,000,000 
      net interest income
    		8,645,000,000 8,351,000,000 7,671,000,000 6,623,000,000  6,286,000,000  20,002,000,000  20,835,000,000   4,729,000,000          2,748,000,000 2,747,000,000 2,876,000,000 2,941,000,000 2,709,000,000 2,301,000,000 2,174,000,000 1,901,000,000 1,721,000,000 1,757,000,000 1,609,000,000 1,764,000,000 1,657,000,000 1,782,000,000 1,725,000,000 1,717,000,000 1,645,000,000 1,616,000,000 1,691,000,000 1,790,000,000 1,758,000,000,000 
      non-interest income
    		                      4,079,000,000 4,587,000,000 4,583,000,000 4,000,000,000 2,360,000,000 3,611,000,000 3,473,000,000 3,768,000,000 3,628,000,000 3,449,000,000 3,513,000,000 3,214,000,000 3,281,000,000 2,952,000,000        
      insurance service result
    		78,000,000 279,000,000 173,000,000 203,000,000                                        
      insurance investment result
    		76,000,000 48,000,000 66,000,000 59,000,000                                        
      trading revenue
    		604,000,000 685,000,000 383,000,000 633,000,000  485,000,000  1,183,000,000  1,239,000,000   123,000,000          -243,000,000 750,000,000 910,000,000 -126,000,000 -526,000,000 148,000,000 366,000,000 575,000,000 620,000,000 683,000,000 724,000,000 458,000,000          
      investment management and custodial fees
    		2,794,000,000 2,642,000,000 2,501,000,000 2,257,000,000  2,099,000,000  7,132,000,000  6,101,000,000   1,387,000,000          448,000,000 440,000,000 424,000,000 419,000,000 449,000,000 450,000,000 433,000,000 394,000,000 355,000,000 331,000,000 334,000,000 315,000,000 313,000,000 311,000,000 274,000,000 298,000,000 303,000,000 306,000,000 278,000,000 282,000,000 315,000,000,000 
      mutual fund revenue
    		1,364,000,000 1,273,000,000 1,189,000,000 1,067,000,000  1,034,000,000  4,251,000,000  3,712,000,000   896,000,000          388,000,000 387,000,000 320,000,000 327,000,000 387,000,000 414,000,000 375,000,000 361,000,000 337,000,000 328,000,000 316,000,000 261,000,000          
      securities brokerage commissions
    		504,000,000 444,000,000 428,000,000 431,000,000  362,000,000  1,538,000,000  1,439,000,000   349,000,000          313,000,000 338,000,000 345,000,000 321,000,000 390,000,000 345,000,000 333,000,000 338,000,000 296,000,000 291,000,000 347,000,000 309,000,000 274,000,000 307,000,000 260,000,000 262,000,000 347,000,000 285,000,000    
      service charges
    		608,000,000 598,000,000 596,000,000 557,000,000  529,000,000  1,858,000,000  1,842,000,000   459,000,000          362,000,000 370,000,000 388,000,000 387,000,000 371,000,000 349,000,000 324,000,000 328,000,000 326,000,000 306,000,000 290,000,000 294,000,000 289,000,000 281,000,000        
      underwriting and other advisory fees
    		760,000,000 850,000,000 656,000,000 734,000,000  472,000,000  2,692,000,000  2,319,000,000   514,000,000          295,000,000 311,000,000 339,000,000 199,000,000 253,000,000 243,000,000 216,000,000 319,000,000 293,000,000 253,000,000 259,000,000 219,000,000 251,000,000 266,000,000 217,000,000 213,000,000 181,000,000 201,000,000    
      foreign exchange revenue, other than trading
    		334,000,000 311,000,000 301,000,000 287,000,000  289,000,000  1,066,000,000  1,012,000,000   267,000,000          176,000,000 132,000,000 179,000,000 167,000,000 165,000,000 166,000,000 166,000,000 134,000,000 106,000,000 118,000,000 118,000,000 96,000,000    72,000,000 73,000,000  59,000,000 67,000,000 71,000,000,000 
      card service revenue
    		349,000,000 339,000,000 332,000,000 291,000,000  334,000,000  1,078,000,000  969,000,000   264,000,000          133,000,000 134,000,000 165,000,000 218,000,000 182,000,000 173,000,000 159,000,000 134,000,000 147,000,000 158,000,000 46,000,000 145,000,000          
      credit fees
    		470,000,000 395,000,000 358,000,000 434,000,000  342,000,000  1,530,000,000  1,321,000,000   371,000,000          158,000,000 173,000,000 133,000,000 113,000,000 124,000,000 99,000,000 108,000,000 88,000,000 63,000,000 66,000,000 56,000,000 56,000,000 46,000,000 41,000,000 60,000,000 59,000,000 50,000,000 43,000,000 63,000,000 63,000,000 57,000,000,000 
      net gains on investment securities
    		2,000,000 18,000,000 13,000,000 59,000,000  27,000,000  145,000,000  90,000,000   33,000,000                               
      income from joint ventures and associates
    		13,000,000 25,000,000 11,000,000                                         
      other
    		608,000,000 727,000,000 396,000,000 501,000,000  419,000,000  1,488,000,000  864,000,000   230,000,000          90,000,000 -105,000,000 -170,000,000 551,000,000 655,000,000 400,000,000 106,000,000 140,000,000 120,000,000 22,000,000 134,000,000 111,000,000 134,000,000 111,000,000 170,000,000 196,000,000 54,000,000 144,000,000 54,000,000 150,000,000 60,000,000,000 
      total revenue
    		17,209,000,000 16,985,000,000 15,074,000,000 14,154,000,000 800,000,000 14,489,000,000 12,567,000,000 49,693,000,000 12,376,000,000 47,181,000,000 11,092,000,000 11,370,000,000 10,669,000,000 10,828,000,000 10,523,000,000 9,986,000,000 9,265,000,000 8,019,000,000  8,382,000,000 7,970,000,000 7,518,000,000 6,827,000,000 7,334,000,000 7,459,000,000 6,941,000,000 5,069,000,000 5,912,000,000 5,647,000,000 5,669,000,000 5,349,000,000 5,206,000,000 5,122,000,000 4,978,000,000          
      yoy
    		2051.13% 17.23% 19.95% -71.52% -93.54% -69.29% 13.30% 337.05% 16.00% 335.73% 5.41% 13.86% 15.15% 35.03%  19.14% 16.25% 6.66%  14.29% 6.85% 8.31% 34.68% 24.05% 32.09% 22.44% -5.23% 13.56% 10.25% 13.88%              
      qoq
    		1.32% 12.68% 6.50% 1669.25% -94.48% 15.29% -74.71% 301.53% -73.77% 325.36% -2.45% 6.57% -1.47% 2.90% 5.38% 7.78% 15.54%   5.17% 6.01% 10.12% -6.91% -1.68% 7.46% 36.93% -14.26% 4.69% -0.39% 5.98% 2.75% 1.64% 2.89%           
      provision for credit losses
    		1,007,000,000 881,000,000 840,000,000 920,000,000 93,000,000 616,000,000   -227,000,000 4,351,000,000   353,000,000 334,000,000 234,000,000 320,000,000 358,000,000 275,000,000  345,000,000 335,000,000 362,000,000 432,000,000 493,000,000 883,000,000 747,000,000 619,000,000 334,000,000 293,000,000 188,000,000 159,000,000 99,000,000 124,000,000 47,000,000 128,000,000 116,000,000 97,000,000 125,000,000  137,000,000 211,000,000 200,000,000  
      non-interest expense
    		    265,000,000  7,209,000,000  6,583,000,000  6,058,000,000 6,319,000,000  5,611,000,000 5,611,000,000 5,435,000,000 5,198,000,000 4,647,000,000  4,340,000,000 4,164,000,000 3,873,000,000                      
      human resources
    		5,788,000,000 5,869,000,000 5,423,000,000 5,091,000,000  4,794,000,000  16,539,000,000  15,252,000,000   3,429,000,000          2,000,000,000 2,377,000,000 2,142,000,000 2,290,000,000 1,954,000,000 2,033,000,000 1,992,000,000 2,049,000,000 1,829,000,000 1,848,000,000 1,870,000,000 1,811,000,000 1,724,000,000 1,733,000,000 1,722,000,000 1,703,000,000 1,668,000,000 1,587,000,000 1,574,000,000 1,641,000,000 1,581,000,000,000 
      equipment
    		721,000,000 684,000,000 674,000,000 615,000,000  611,000,000  1,986,000,000  1,907,000,000   419,000,000          252,000,000 248,000,000 235,000,000 255,000,000 334,000,000 280,000,000 268,000,000 247,000,000 257,000,000 233,000,000 236,000,000 231,000,000 247,000,000 245,000,000 234,000,000 220,000,000 209,000,000 205,000,000 218,000,000 201,000,000 203,000,000,000 
      occupancy
    		412,000,000 410,000,000 514,000,000 441,000,000  411,000,000  1,584,000,000  1,660,000,000   400,000,000          259,000,000 255,000,000 267,000,000 251,000,000 249,000,000 231,000,000 214,000,000 215,000,000 225,000,000 196,000,000 189,000,000 182,000,000 188,000,000 198,000,000 205,000,000 205,000,000 179,000,000 184,000,000 192,000,000 196,000,000 200,000,000,000 
      communications
    		435,000,000 357,000,000 348,000,000 358,000,000  324,000,000  931,000,000  989,000,000   316,000,000          186,000,000 187,000,000 196,000,000 170,000,000 230,000,000 180,000,000 161,000,000 178,000,000 200,000,000 168,000,000 173,000,000 146,000,000 155,000,000 158,000,000 188,000,000 174,000,000 150,000,000 193,000,000 196,000,000 180,000,000 195,000,000,000 
      professional fees
    		609,000,000 528,000,000 657,000,000 697,000,000  592,000,000  1,351,000,000  1,330,000,000   418,000,000          165,000,000 124,000,000 170,000,000 125,000,000 169,000,000 132,000,000 134,000,000 151,000,000 176,000,000 159,000,000 156,000,000 137,000,000 132,000,000 115,000,000 151,000,000 121,000,000 97,000,000 134,000,000 106,000,000 113,000,000 100,000,000,000 
      amortization of other intangibles
    		431,000,000 436,000,000 398,000,000 373,000,000  369,000,000  1,287,000,000  1,273,000,000   279,000,000          123,000,000 120,000,000 123,000,000 110,000,000 45,000,000 39,000,000 22,000,000 25,000,000 22,000,000 20,000,000 20,000,000 14,000,000 16,000,000 16,000,000 16,000,000 16,000,000 16,000,000 16,000,000 20,000,000 19,000,000 18,000,000,000 
      income before income taxes
    		6,828,000,000 6,872,000,000 5,215,000,000 4,926,000,000 442,000,000 4,633,000,000 4,861,000,000 20,631,000,000 4,988,000,000 14,389,000,000 4,146,000,000 3,898,000,000 3,940,000,000 4,047,000,000  3,588,000,000       1,559,000,000 2,085,000,000 1,648,000,000 1,496,000,000 1,547,000,000 1,753,000,000 1,618,000,000               
      income taxes
    		1,394,000,000 1,458,000,000 993,000,000 976,000,000  761,000,000  4,581,000,000  2,952,000,000   690,000,000          257,000,000 565,000,000 389,000,000 438,000,000 428,000,000 442,000,000 343,000,000 353,000,000 342,000,000 381,000,000 348,000,000 332,000,000 392,000,000 347,000,000 235,000,000 342,000,000 289,000,000 316,000,000 315,000,000 420,000,000 375,000,000,000 
      net income
    		5,434,000,000 5,414,000,000 4,222,000,000 3,950,000,000 -357,000,000 3,872,000,000 3,882,000,000 16,050,000,000 3,892,000,000 11,437,000,000 3,246,000,000 3,206,000,000 3,250,000,000 3,012,000,000 2,837,000,000 2,796,000,000 2,543,000,000 2,593,000,000  2,333,000,000 2,119,000,000 1,911,000,000 1,276,000,000 1,497,000,000 1,237,000,000 1,053,000,000 1,120,000,000 1,262,000,000 1,245,000,000 1,279,000,000 1,262,000,000 1,177,000,000 1,118,000,000 1,171,000,000 979,000,000 907,000,000 504,000,000 768,000,000 793,000,000 804,000,000 697,000,000 779,000,000 697,000,000,000 
      yoy
    		-1622.13% 39.82% 8.76% -75.39% -109.17% -66.14% 19.59% 400.62% 19.75% 279.71% 14.42% 14.66% 27.80% 16.16%  19.85% 20.01% 35.69%  55.85% 71.30% 81.48% 13.93% 18.62% -0.64% -17.67% -11.25% 7.22% 11.36% 9.22% 28.91% 29.77% 121.83% 52.47% 23.46% 12.81% -27.69% -1.41% -99.89%     
      qoq
    		0.37% 28.23% 6.89% -1206.44% -109.22% -0.26% -75.81% 312.38% -65.97% 252.34% 1.25% -1.35% 7.90% 6.17% 1.47% 9.95% -1.93%   10.10% 10.88% 49.76% -14.76% 21.02% 17.47% -5.98% -11.25% 1.37% -2.66% 1.35% 7.22% 5.28% -4.53% 19.61% 7.94% 79.96% -34.38% -3.15% -1.37% 15.35% -10.53% -99.89%  
      net income margin %
    		31.58% 31.88% 28.01% 27.91% -44.63% 26.72% 30.89% 32.30% 31.45% 24.24% 29.26% 28.20% 30.46% 27.82% 26.96% 28.00% 27.45% 32.34% NaN% 27.83% 26.59% 25.42% 18.69% 20.41% 16.58% 15.17% 22.10% 21.35% 22.05% 22.56% 23.59% 22.61% 21.83% 23.52% Infinity% Infinity% Infinity% Infinity% Infinity% Infinity% Infinity% Infinity% Infinity% 
      net income attributable to:
    		                                           
      shareholders
    		5,432,000,000 5,415,000,000 4,219,000,000 3,948,000,000  3,870,000,000  16,038,000,000  11,432,000,000   3,247,000,000                               
      non-controlling interests
    		2,000,000 -1,000,000 3,000,000 2,000,000  2,000,000  12,000,000  5,000,000   3,000,000                               
      basic earnings per share
    		3.77 3.76 2.92 2.75  2.74  11.08  7.84   2.21          0.85 1.01 0.83 0.74 0.82 0.93 0.96 0.99 0.97 0.91 0.86 1.81 1.51 1.4        
      diluted earnings per share
    		3.76 3.75 2.91 2.74  2.73  11.06  7.82   2.2          0.84 1 0.82 0.73 0.81 0.92 0.95 0.98 0.96 0.9 0.85 1.78 1.48 1.37 0.76 1.15 1.19 1.19 1 1.12 0.99 
      dividends per common share
    		1.54 1.54 1.42 1.38  1.35  4.32  4.29   0.98                               
      share of profit in joint ventures and associates
    		   18,000,000  -37,000,000  130,000,000  77,000,000   8,000,000                               
      net income adjusted
    		    293,000,000                                       
      segments – net income
    		                                           
      personal & commercial banking
    		    -30,000,000  2,139,000,000  2,033,000,000  1,502,000,000 1,618,000,000  1,521,000,000 1,404,000,000 1,399,000,000 1,275,000,000 1,270,000,000  1,151,000,000 1,081,000,000 1,034,000,000                      
      wealth management
    		    391,000,000  822,000,000  558,000,000  546,000,000 729,000,000  597,000,000 491,000,000 486,000,000 396,000,000 255,000,000  285,000,000 205,000,000 207,000,000                      
      insurance
    		    123,000,000  268,000,000  267,000,000  254,000,000 282,000,000  127,000,000 265,000,000 161,000,000 228,000,000 225,000,000  256,000,000 107,000,000 194,000,000                      
      capital markets
    		    167,000,000  617,000,000  920,000,000  840,000,000 584,000,000  748,000,000 584,000,000 611,000,000 482,000,000 555,000,000  402,000,000 472,000,000 410,000,000                      
      corporate support
    		    -1,008,000,000  -74,000,000  5,000,000  13,000,000 -52,000,000  -200,000,000  -39,000,000  200,000,000  126,000,000 162,000,000                       
      selected information
    		                                           
      earnings per share (eps) – basic
    		    -0.27         2.02  1.86                            
      – diluted
    		    -0.26         2.01  1.85                            
      earnings per share (eps) – basic adjusted
    		    0.2                                       
      – diluted adjusted
    		    0.2                                       
      return on common equity (roe) ,
    		          16   17.4 16.6 16.3 15.5 17.9    18.7                      
      return on common equity (roe) adjusted
    		    70                                       
      average common equity
    		    3,850  97,150  89,500  78,800 76,600  66,850 65,900 65,750 63,100 55,800  47,450 43,350 38,850                      
      net interest margin (nim) – on average earning assets
    		             1.65  1.69                            
      pcl on loans as a % of average net loans and acceptances
    		    3  0.18    0.23 0.32                                
      pcl on performing loans as a % of average net loans and acceptances
    		      0.06    0.08 0.05                                
      pcl on impaired loans as a % of average net loans and acceptances
    		    6  0.12  0.07  0.15 0.27  0.23 0.17 0.23 0.27 0.23  0.31 0.32 0.37                      
      gross impaired loans (gil) as a % of loans and acceptances
    		    6  0.26  0.31  0.47 0.46   0.46 0.53 0.73 0.47  0.44 0.52 0.58                      
      liquidity coverage ratio (lcr) ,
    		    100                                       
      net stable funding ratio (nsfr) ,
    		                                           
      capital, leverage and total loss absorbing capacity (tlac) ratios , ,
    		                                           
      common equity tier 1 (cet1) ratio
    		    40  12.6  13.7  12.5 12.1  11 10.9 10.9 10.8 10.6  9.9 9.6                       
      tier 1 capital ratio
    		    60  13.8  14.9  13.5 13.2  12.4 12.3 12.4 12.3 12.2  11.4 11.7 13.1                      
      total capital ratio
    		    50  15.4  16.7  15.5 15.2  14.4 14.2 14.4 14.4 14  13.4 14 15.1                      
      leverage ratio
    		    10  4.4  4.9  4.8 4.3  4.2 4.4 4.4 4.4 4.3                          
      tlac ratio
    		    40  26.4                                     
      tlac leverage ratio
    		      8.5                                     
      selected balance sheet and other information
    		                                           
      total assets
    		    -32,126  1,917,219  1,706,323  1,624,548 1,428,935  1,276,275 1,212,853 1,201,047 1,180,258 1,074,208  940,550 860,819 825,100                      
      securities, net of applicable allowance
    		    -3,917  318,223  284,724  275,814 249,004  222,262                              
      loans, net of allowance for loan losses
    		    5,543  819,965  717,575  660,992 618,856  538,044                              
      derivative related assets
    		    -37,412  154,439  95,541  113,488 101,560  105,512 95,023 105,833 118,944 105,626  87,402 74,822 91,293                      
      deposits
    		    9,481  1,208,814  1,100,831  1,011,885 886,005  800,020 789,635 778,618 757,589 697,227  614,100 558,480 508,219 1,225,000,000 1,217,000,000 1,288,000,000 2,351,000,000 2,792,000,000 2,813,000,000 3,492,000,000 3,384,000,000 3,041,000,000 2,853,000,000 2,488,000,000 2,326,000,000 1,829,000,000 1,638,000,000 1,378,000,000 1,300,000,000 1,283,000,000 1,304,000,000 1,339,000,000 1,433,000,000 1,443,000,000,000 
      common equity
    		    626  100,746  91,983  80,719 77,816  66,430 67,416 65,561 64,304 57,048  48,615 43,939 39,453                      
      total risk-weighted assets (rwa) , ,
    		    -5,966                                       
      assets under management
    		    82,600  999,700  1,008,700  843,600 762,300  656,700 639,900 601,200 586,300 498,400  457,000 391,100 343,000                      
      assets under administration
    		    152,100      5,891,200 5,678,000  5,653,500      4,647,000 4,050,900                       
      common share information
    		                                           
      shares outstanding (000s) – average basic
    		    6,987         1,451,781  1,457,854                            
      – average diluted
    		    7,176         1,458,714  1,465,035                            
      – end of period
    		    7,746         1,444,065  1,457,934                            
      dividends declared per common share
    		    0.03  1.28  1.08  1.08 1.05  0.91  0.87                            
      dividend yield
    		      4  3.3  4.4 4  3.5 3.6 3.7 4 4.3  3.8 4 4.4                      
      dividend payout ratio
    		    600  47  40  48                                 
      common share price
    		    20.45  126.05  128.82  93.16 106.24  105.32 100.87 93.01 83.8 74.77  80.01 70.02 56.94                      
      market capitalization
    		    29,656  174,316  183,507  132,518 151,933  152,089 146,554 135,602 124,476 107,925  115,393 100,903 82,296                      
      business information
    		                                           
      employees
    		    -1,232  91,427  85,301  83,842 82,801  78,648 78,210 76,720 75,510     74,377                      
      bank branches
    		    1  1,271  1,295  1,329 1,327  1,368 1,376 1,388 1,419 1,355  1,366 1,372 1,361                      
      automated teller machines
    		      4,368  4,378  4,557 4,600  4,660 4,630 4,758 4,905 4,816  4,929 4,973 5,065                      
      period average us equivalent of c1.00
    		    0.013  0.739  0.796  0.756 0.755  0.794 0.792 0.77 0.757 0.758  0.9 0.96 1.011                      
      period-end us equivalent of c1.00
    		    0.023  0.734  0.808  0.751 0.759  0.813 0.775 0.802 0.746 0.765  0.887 0.959 1.001                      
      insurance premiums, investment and fee income
    		     1,848,000,000  5,600,000,000  5,361,000,000   1,039,000,000          1,759,000,000 1,383,000,000 1,565,000,000 1,346,000,000 111,000,000 857,000,000 841,000,000 855,000,000 863,000,000 821,000,000 806,000,000 858,000,000 886,000,000 813,000,000 621,000,000 632,000,000 498,000,000 548,000,000    
      insurance policyholder benefits, claims and acquisition expense
    		     1,379,000,000 116,000,000 3,891,000,000 1,032,000,000 3,683,000,000 461,000,000 654,000,000 494,000,000 836,000,000 1,137,000,000 643,000,000 397,000,000 292,000,000  752,000,000 878,000,000 770,000,000 1,459,000,000 1,130,000,000 1,322,000,000 1,076,000,000 -86,000,000 553,000,000 616,000,000 677,000,000 611,000,000 627,000,000 619,000,000 652,000,000 681,000,000 622,000,000 414,000,000 422,000,000 330,000,000 386,000,000    
      benefit from credit losses
    		      381,000,000 -753,000,000   427,000,000 499,000,000                               216,000,000,000 
      segments - net income
    		                                           
      investor & treasury services
    		      110,000,000  109,000,000  91,000,000 45,000,000  219,000,000 156,000,000 178,000,000 174,000,000 88,000,000  113,000,000 92,000,000 72,000,000                      
      earnings per share (eps) - basic
    		      2.75  2.68  2.23 2.19   1.89  1.66 1.74  1.57 1.41 1.26                      
      - diluted
    		      2.74  2.68  2.23 2.18   1.88  1.65 1.74  1.57 1.4 1.25                      
      return on common equity
    		      15.6  16.9   16.2        19 18.6                       
      net interest margin (nim) - on average earning assets
    		      1.56  1.43  1.52 1.6   1.72                             
      liquidity coverage ratio
    		      125  123  145 127  122 122 121 127 127                          
      net stable funding ratio
    		      112  116                                   
      capital ratios and leverage ratio
    		                                           
      total risk-weighted assets
    		      609,879  552,541  546,242                                 
      assets under administration (aua) ,
    		      5,649,700  6,347,300      5,473,300 5,390,000 5,058,900 4,609,100                          
      shares outstanding (000s) - average basic
    		      1,386,925  1,424,534  1,422,578 1,432,685   1,457,855  1,483,869 1,442,935  1,442,368 1,440,911 1,444,189                      
      - average diluted
    		      1,388,548  1,427,225  1,426,466 1,438,257   1,464,916  1,491,872 1,449,509  1,449,342 1,462,728 1,469,304                      
      - end of period
    		      1,382,911  1,424,525  1,422,473 1,430,096   1,452,898  1,485,394 1,443,423  1,442,233 1,441,056 1,445,303                      
      non-interest income - sum
    		         26,346,000,000   5,940,000,000                           2,633,000,000    
      non-interest expense - sum
    		         24,758,000,000   5,882,000,000                       2,721,000,000    2,582,000,000    
      net income attributable to: - sum
    		         11,437,000,000   3,250,000,000                               
      total capital risk-weighted assets
    		           512,856  466,758 474,478 458,136 449,712 413,957  372,050                        
      represents period-end spot balances.
    		                                           
      defined as dividends per common share divided by the average of the high and low share price in the relevant period.
    		                                           
      average amounts are calculated using month-end spot rates for the period.
    		                                           
      interest and dividend income - sum
    		            8,990,000,000                               
      interest expense - sum
    		            4,261,000,000                       2,300,000,000    1,800,000,000    
      pcl as a % of average net loans and acceptances
    		             0.24                              
      gross impaired loans (gil) as a % of loans and acceptances ,
    		             0.45                              
      net income before income taxes
    		              3,541,000,000  3,312,000,000 2,805,000,000  2,945,000,000 2,593,000,000 2,513,000,000              1,271,000,000 775,000,000 1,138,000,000 1,112,000,000 1,144,000,000 1,043,000,000 1,227,000,000 1,099,000,000,000 
      total pcl as a % of average net loans and acceptances
    		              0.17 0.23 0.27                           
      dividends declared per share
    		              0.91  0.83 0.79  0.75 0.67 0.6                      
      book value per share
    		              46.41  43.32                           
      net interest margin
    		                1.7                           
      capital ratios and multiples
    		                                           
      assets-to-capital multiple
    		                   17 16.6 16.7                      
      eps – basic
    		                                           
      roe ,
    		                     18.7                      
      capital ratios, leverage ratio and multiples
    		                                           
      business information from continuing operations
    		                                           
      continuing operations
    		                                           
      net income from continuing operations
    		                    2,119,000,000 1,911,000,000        1,279,000,000 1,263,000,000 1,194,000,000 1,128,000,000 1,172,000,000 1,001,000,000         
      net loss from discontinued operations
    		                              -1,000,000 -17,000,000 -10,000,000  -22,000,000         
      segments - net income from continuing operations
    		                                           
      selected information from continuing operations
    		                                           
      eps - basic
    		                    1.41 1.26                      
      roe
    		                    18.6                       
      risk-weighted assets
    		                    318,980 280,609                      
      tier 1 common ratio
    		                     10.5                      
      assets under administration (aua) - rbc
    		                     764,100                      
      - rbcis
    		                     2,886,900                      
      interest income
    		                                           
      deposits with banks
    		                      14,000,000 10,000,000 14,000,000 86,000,000 128,000,000 100,000,000 150,000,000 119,000,000 166,000,000 155,000,000 87,000,000 72,000,000 55,000,000 62,000,000 52,000,000 71,000,000 81,000,000 78,000,000 95,000,000 112,000,000 109,000,000,000 
      securitization revenue
    		                      214,000,000 197,000,000 177,000,000 348,000,000 171,000,000 103,000,000 66,000,000 97,000,000 86,000,000 61,000,000 61,000,000 49,000,000          
      net gain on available-for-sale securities
    		                      -14,000,000 77,000,000   -372,000,000 -136,000,000                
      outsourced item processing
    		                      69,000,000 72,000,000 72,000,000 72,000,000 105,000,000 77,000,000 77,000,000 82,000,000 75,000,000 70,000,000 80,000,000 73,000,000 73,000,000 78,000,000 72,000,000 74,000,000 69,000,000 73,000,000    
      goodwill impairment charge
    		                                           
      net income before non-controlling interest
    		                      1,302,000,000 1,520,000,000 1,259,000,000 1,058,000,000 1,119,000,000 1,311,000,000 1,275,000,000 1,303,000,000 1,282,000,000 1,238,000,000 1,103,000,000 1,178,000,000 995,000,000 924,000,000 540,000,000 796,000,000 823,000,000 828,000,000 728,000,000 807,000,000 724,000,000,000 
      non-controlling interest in net income of subsidiaries
    		                      26,000,000 23,000,000 22,000,000 5,000,000 -1,000,000 49,000,000 30,000,000 24,000,000 19,000,000 44,000,000 -25,000,000 6,000,000 -6,000,000 17,000,000 36,000,000 28,000,000 30,000,000 24,000,000 31,000,000 28,000,000 27,000,000,000 
      preferred dividends
    		                      -65,000,000 -64,000,000 -64,000,000 -41,000,000 -27,000,000 -27,000,000 -24,000,000 -22,000,000 -26,000,000 -13,000,000 -11,000,000 -10,000,000 11,000,000 12,000,000 11,000,000 12,000,000 11,000,000     
      net income available to common shareholders
    		                      1,211,000,000 1,433,000,000 1,173,000,000 1,012,000,000 1,093,000,000 1,235,000,000 1,221,000,000 1,257,000,000 1,236,000,000 1,164,000,000 1,107,000,000 1,161,000,000 968,000,000 895,000,000 493,000,000 756,000,000 782,000,000 793,000,000 675,000,000 756,000,000 672,000,000,000 
      average number of common shares
    		                      1,421,777,000,000 1,418,146,000,000 1,413,644,000,000 1,366,868,000,000 1,337,753,000,000 1,323,293,000,000 1,273,862,000,000 1,272,212,000,000 1,274,697,000,000 1,279,300,000,000 1,282,694,000,000 642,167,000,000 643,102,000,000 640,842,000,000 641,166,000,000 645,074,000,000 650,044,000,000 656,952,000,000 664,634,000,000 666,006,000,000 673,787,000,000,000 
      average number of diluted common shares
    		                      1,434,379 1,432,179 1,428,409 1,379,191 1,353,588 1,340,239 1,286,595 1,288,415 1,293,864 1,297,340 1,301,645 652,189 653,023 651,800 651,279 654,768 659,356 664,450 671,398 673,400 679,168 
      dividends per share
    		                      0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.46 0.4 0.36 0.36 0.64 0.61 0.55 0.52 0.52 0.46 0.46    
      net loss on available-for-sale securities
    		                        -192,000,000 -270,000,000                  
      net gain on sale of available-for-sale securities
    		                            -20,000,000               
      gain on sale of investment account securities
    		                             5,000,000 16,000,000 11,000,000 22,000,000 43,000,000 59,000,000 23,000,000        
      income from continuing operations before income taxes
    		                             1,656,000,000 1,624,000,000 1,619,000,000 1,451,000,000 1,510,000,000 1,387,000,000         
      basic earnings per share from continuing operations
    		                             0.99 0.97 0.92 0.87 1.81 1.54         
      basic earnings per share from discontinued operations
    		                               -0.01 -0.01  -0.03         
      diluted earnings per share from continuing operations
    		                             0.98 0.96 0.91 0.86 1.78 1.51         
      diluted earnings per share from discontinued operations
    		                               -0.01 -0.01  -0.03         
      business realignment charges
    		                                  1,000,000 4,000,000 192,000,000       
      net gain on redemption of preferred shares
    		                                           
      net income from discontinued operations
    		                                 -1,000,000          
      trading revenues
    		                                  452,000,000 260,000,000 333,000,000 345,000,000 441,000,000 441,000,000 481,000,000 544,000,000 440,000,000,000 
      mutual fund revenues
    		                                  245,000,000 233,000,000 218,000,000 216,000,000 202,000,000 175,000,000 161,000,000 169,000,000 188,000,000,000 
      card service revenues
    		                                  158,000,000 127,000,000 93,000,000 87,000,000 72,000,000 85,000,000 113,000,000 124,000,000 137,000,000,000 
      foreign exchange revenues, other than trading
    		                                  109,000,000 88,000,000 74,000,000   75,000,000    
      securitization revenues
    		                                  65,000,000 51,000,000 54,000,000 23,000,000 63,000,000 61,000,000 41,000,000 34,000,000 38,000,000,000 
      total revenues
    		                                  4,938,000,000 4,734,000,000 4,398,000,000 4,405,000,000 4,195,000,000 4,249,000,000    
      interest income - sum
    		                                   4,082,000,000    3,416,000,000    
      mortgage banking revenues
    		                                   40,000,000 6,000,000 -3,000,000 2,000,000 -12,000,000 78,000,000 69,000,000 36,000,000,000 
      trading account securities
    		                                    729,000,000 658,000,000 564,000,000 482,000,000    
      available for sale securities
    		                                    224,000,000 179,000,000 181,000,000 192,000,000    
      assets purchased under reverse repurchase agreements
    		                                    145,000,000 115,000,000 145,000,000 186,000,000 184,000,000 192,000,000  
      deposit and payment service charges
    		                                    267,000,000 257,000,000 257,000,000 268,000,000 261,000,000 279,000,000 262,000,000,000 
      gain on sale of available for sale securities
    		                                    26,000,000 31,000,000 7,000,000 13,000,000    
      goodwill impairment
    		                                    130,000,000       
      earnings per share
    		                                    0.77 1.17 1.2 1.21 1.01 1.14 1 
      provision for (recovery of) credit losses
    		                                      -28,000,000     
      preferred share dividends
    		                                       11,000,000 22,000,000 23,000,000 25,000,000,000 
      other income
    		                                           
      insurance revenues
    		                                        95,000,000 76,000,000 51,000,000,000 
      gain on sale of securities
    		                                        42,000,000  -15,000,000,000 
      loss on sale of securities
    		                                         -10,000,000  
      gain from divestitures
    		                                           
      gross revenues
    		                                          3,862,000,000,000 
      non-interest expenses
    		                                           
      amortization of goodwill
    		                                           
      royal bank of canada
    		                                           
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2025-12-03 2025-10-31 2025-07-31 2024-12-04 2024-04-30 2024-01-31 2023-07-31 2022-10-31 2021-12-01 2021-10-31 2021-03-04 2020-10-31 2019-10-31 2018-11-28 2018-10-31 2018-02-23 2017-11-29 2017-10-31 2017-08-23 2017-05-25 2017-02-24 2016-11-30 2016-10-31 2016-05-26 2016-02-24 2015-12-02 2015-10-31 2015-08-26 2015-05-28 2015-02-25 2014-12-03 2014-10-31 2014-08-22 2014-05-22 2014-02-26 2013-12-05 2013-10-31 2013-08-29 2013-02-28 2012-11-29 2012-10-31 2012-08-30 2011-08-26 2010-08-26 2010-03-03 2009-02-26 2008-02-29 2006-08-25 2006-03-03 2005-08-26 2005-05-27 
                                                         
        assets
      		                                          12,510,000,000         
        cash and due from banks
      		37,024,000,000 37,024,000,000 34,927,000,000 56,723,000,000 61,373,000,000 74,347,000,000 80,358,000,000 72,397,000,000 113,846,000,000 113,846,000,000 118,888,000,000 118,888,000,000 26,310,000,000 30,209,000,000 30,209,000,000 34,488,000,000 28,407,000,000 28,407,000,000 24,302,000,000 30,518,000,000 25,363,000,000 14,929,000,000 14,929,000,000 14,845,000,000 17,050,000,000 12,452,000,000 12,452,000,000 19,976,000,000 18,393,000,000 20,027,000,000 17,421,000,000 17,421,000,000 16,297,000,000 15,879,000,000 13,786,000,000 15,870,000,000 15,870,000,000 14,083,000,000 13,741,000,000 12,617,000,000 12,617,000,000 10,586,000,000 11,548,000,000 9,056,000,000 9,535,000,000 10,199,000,000      
        interest-bearing deposits with banks
      		50,364,000,000 50,364,000,000 72,824,000,000 66,020,000,000 38,459,000,000 61,080,000,000 87,650,000,000 108,011,000,000 79,638,000,000 79,638,000,000 39,013,000,000 39,013,000,000 38,345,000,000 36,471,000,000 36,471,000,000 37,269,000,000 32,662,000,000 32,662,000,000 36,098,000,000 25,875,000,000 22,380,000,000 27,851,000,000 27,851,000,000 29,229,000,000 24,636,000,000 22,690,000,000 22,690,000,000 10,731,000,000 4,402,000,000 3,866,000,000 8,399,000,000 8,399,000,000 5,383,000,000 5,210,000,000 8,245,000,000 9,061,000,000 9,061,000,000 7,376,000,000 8,499,000,000 10,255,000,000 10,255,000,000 11,386,000,000 193,060,000,000 11,421,000,000 7,264,000,000 15,362,000,000  11,430,000,000 10,913,000,000   
        securities
      		                  214,170,000,000 219,405,000,000 224,827,000,000   224,371,000,000 233,711,000,000   235,515,000,000 222,643,000,000 230,723,000,000   199,114,000,000 191,481,000,000 189,494,000,000   174,302,000,000 169,225,000,000   158,390,000,000  192,739,000,000 189,416,000,000 172,182,000,000      
        trading
      		219,067,000,000 219,067,000,000  183,300,000,000 173,566,000,000 193,597,000,000 176,603,000,000 148,205,000,000 139,240,000,000 139,240,000,000 136,071,000,000 136,071,000,000 146,534,000,000 128,258,000,000 128,258,000,000  127,657,000,000 127,657,000,000    151,292,000,000 151,292,000,000   158,703,000,000 158,703,000,000    151,380,000,000 151,380,000,000    144,023,000,000 144,023,000,000   120,783,000,000 120,783,000,000           
        investment, net of applicable allowance
      		342,721,000,000 342,721,000,000  256,618,000,000 238,987,000,000 212,216,000,000 196,022,000,000 170,018,000,000 145,484,000,000 145,484,000,000 139,743,000,000 139,743,000,000 102,470,000,000 94,608,000,000 94,608,000,000                                     
        assets purchased under reverse repurchase agreements and securities borrowed
      		309,683,000,000 309,683,000,000 265,832,000,000 350,803,000,000 301,797,000,000 347,871,000,000 347,151,000,000 317,845,000,000 307,903,000,000 307,903,000,000 313,015,000,000 313,015,000,000 306,961,000,000 294,602,000,000 294,602,000,000 259,765,000,000 220,977,000,000 220,977,000,000 208,669,000,000 216,931,000,000 197,285,000,000 186,302,000,000 186,302,000,000 184,825,000,000 196,295,000,000 174,723,000,000 174,723,000,000 172,659,000,000 163,368,000,000 163,573,000,000 135,580,000,000 135,580,000,000 135,205,000,000 133,981,000,000 140,669,000,000 117,517,000,000 117,517,000,000 120,184,000,000 121,333,000,000 112,257,000,000 112,257,000,000 107,841,000,000 76,900,000,000 68,200,000,000 49,585,000,000 40,930,000,000  63,981,000,000 47,564,000,000 44,471,000,000 43,015,000,000 
        loans
      		                                             283,436,000,000      
        retail
      		652,344,000,000 652,344,000,000 644,791,000,000 626,978,000,000 612,687,000,000 569,894,000,000 561,212,000,000 549,751,000,000 503,598,000,000 503,598,000,000 457,976,000,000 457,976,000,000 426,086,000,000 399,452,000,000 399,452,000,000 386,235,000,000 385,170,000,000 385,170,000,000 379,869,000,000 374,168,000,000 370,161,000,000 369,470,000,000 369,470,000,000 359,863,000,000 360,763,000,000 348,183,000,000 348,183,000,000 343,463,000,000 336,064,000,000 336,503,000,000 334,987,000,000 334,987,000,000 329,831,000,000 324,142,000,000 322,518,000,000 321,678,000,000 321,678,000,000 318,288,000,000 302,193,000,000 301,185,000,000 301,185,000,000 297,637,000,000          
        wholesale
      		397,171,000,000 397,171,000,000 387,941,000,000 360,439,000,000 353,567,000,000 293,721,000,000 278,997,000,000 273,967,000,000 218,066,000,000 218,066,000,000 208,655,000,000 208,655,000,000 195,870,000,000 180,278,000,000 180,278,000,000 154,585,000,000 159,606,000,000 159,606,000,000 156,401,000,000 160,352,000,000 154,088,000,000 154,369,000,000 154,369,000,000 150,602,000,000 157,592,000,000 126,069,000,000 126,069,000,000 121,214,000,000 114,283,000,000 113,764,000,000 102,236,000,000 102,236,000,000 102,516,000,000 99,177,000,000 95,089,000,000 88,947,000,000 88,947,000,000 85,853,000,000 80,745,000,000 79,056,000,000 79,056,000,000 77,516,000,000          
        allowance for loan losses
      		-7,093,000,000 -7,093,000,000 -7,272,000,000 -6,037,000,000 -5,715,000,000 -5,299,000,000 -4,495,000,000 -3,753,000,000 -4,089,000,000 -4,089,000,000 -5,639,000,000 -5,639,000,000 -3,100,000,000 -2,912,000,000 -2,912,000,000 -2,776,000,000 -2,159,000,000 -2,159,000,000 -2,236,000,000 -2,258,000,000 -2,239,000,000 -2,235,000,000 -2,235,000,000 -2,271,000,000 -2,169,000,000 -2,029,000,000 -2,029,000,000 -2,078,000,000 -2,037,000,000 -2,057,000,000 -1,994,000,000 -1,994,000,000 -1,926,000,000 -1,883,000,000 -1,979,000,000 -1,959,000,000 -1,959,000,000 -1,921,000,000 -1,954,000,000 -1,997,000,000 -1,997,000,000 -1,937,000,000          
        other
      		                                                   
        derivatives
      		177,206,000,000 177,206,000,000  150,612,000,000 130,199,000,000 105,038,000,000 115,914,000,000 154,439,000,000 95,541,000,000 95,541,000,000 113,488,000,000 113,488,000,000 101,560,000,000 94,039,000,000 94,039,000,000  95,023,000,000 95,023,000,000    118,944,000,000 118,944,000,000   105,626,000,000 105,626,000,000    87,402,000,000 87,402,000,000    74,822,000,000 74,822,000,000   91,293,000,000 91,293,000,000           
        premises and equipment
      		6,819,000,000 6,819,000,000  6,852,000,000    7,214,000,000 7,424,000,000 7,424,000,000 7,934,000,000 7,934,000,000 3,191,000,000 2,832,000,000 2,832,000,000  2,670,000,000 2,670,000,000    2,836,000,000 2,836,000,000   2,728,000,000 2,728,000,000    2,684,000,000 2,684,000,000    2,659,000,000 2,659,000,000   2,691,000,000 2,691,000,000           
        goodwill
      		19,405,000,000 19,405,000,000  19,286,000,000    12,277,000,000 10,854,000,000 10,854,000,000 11,302,000,000 11,302,000,000 11,236,000,000 11,137,000,000 11,137,000,000  10,977,000,000 10,977,000,000    11,156,000,000 11,156,000,000   9,289,000,000 9,289,000,000    8,647,000,000 8,647,000,000    8,361,000,000 8,361,000,000   7,485,000,000 7,485,000,000           
        other intangibles
      		7,402,000,000 7,402,000,000  7,798,000,000    6,083,000,000 4,471,000,000 4,471,000,000 4,752,000,000 4,752,000,000 4,674,000,000 4,687,000,000 4,687,000,000  4,507,000,000 4,507,000,000    4,648,000,000 4,648,000,000   2,814,000,000 2,814,000,000    2,775,000,000 2,775,000,000    2,796,000,000 2,796,000,000   2,686,000,000 2,686,000,000           
        other assets
      		112,893,000,000 112,893,000,000  92,155,000,000 110,346,000,000 106,130,000,000 100,510,000,000 80,300,000,000 61,883,000,000 61,883,000,000 58,921,000,000 58,921,000,000 49,073,000,000 44,064,000,000 44,064,000,000  38,959,000,000 38,959,000,000    42,071,000,000 42,071,000,000   41,267,000,000 41,267,000,000    30,695,000,000 30,695,000,000    26,687,000,000 26,687,000,000   35,019,000,000 35,019,000,000       67,436,000,000 66,300,000,000 68,907,000,000 62,477,000,000 
        total assets
      		2,325,006,000,000 2,325,006,000,000 2,227,893,000,000 2,171,582,000,000 2,031,050,000,000 1,974,405,000,000 1,957,734,000,000 1,917,219,000,000 1,706,323,000,000 1,706,323,000,000 1,624,548,000,000 1,624,548,000,000 1,428,935,000,000 1,334,734,000,000 1,334,734,000,000 1,276,275,000,000 1,212,853,000,000 1,212,853,000,000 1,201,047,000,000 1,202,919,000,000 1,161,766,000,000 1,180,258,000,000 1,180,258,000,000 1,150,357,000,000 1,200,352,000,000 1,074,208,000,000 1,074,208,000,000 1,085,173,000,000 1,032,172,000,000 1,086,695,000,000 940,550,000,000 940,550,000,000 913,870,000,000 895,893,000,000 904,714,000,000 860,819,000,000 860,819,000,000 851,304,000,000 837,585,000,000 825,100,000,000 825,100,000,000 824,394,000,000 730,570,000,000 704,424,000,000 659,499,000,000 713,176,000,000  523,969,000,000 487,874,000,000 466,305,000,000 435,442,000,000 
        liabilities and equity
      		                                                   
        deposits
      		  1,481,477,000,000  1,327,603,000,000 1,241,168,000,000 1,215,671,000,000         800,020,000,000   778,618,000,000 785,583,000,000 757,512,000,000   741,454,000,000 769,568,000,000   694,236,000,000 651,551,000,000 654,707,000,000   598,049,000,000 587,122,000,000 590,423,000,000   546,213,000,000 514,661,000,000   502,804,000,000 437,775,000,000 418,975,000,000 394,695,000,000 422,850,000,000  334,702,000,000 314,872,000,000 304,416,000,000 283,492,000,000 
        personal
      		529,740,000,000 529,740,000,000  522,139,000,000    404,932,000,000 362,488,000,000 362,488,000,000 343,052,000,000 343,052,000,000 294,732,000,000 270,154,000,000 270,154,000,000  260,213,000,000 260,213,000,000    250,550,000,000 250,550,000,000   220,566,000,000 220,566,000,000    209,217,000,000 209,217,000,000    194,297,000,000 194,297,000,000   179,502,000,000 179,502,000,000           
        business and government
      		946,314,000,000 946,314,000,000  839,670,000,000    759,870,000,000 696,353,000,000 696,353,000,000 624,311,000,000 624,311,000,000 565,482,000,000 534,371,000,000 534,371,000,000  505,665,000,000 505,665,000,000    488,007,000,000 488,007,000,000   455,578,000,000 455,578,000,000    386,660,000,000 386,660,000,000    350,640,000,000 350,640,000,000   312,882,000,000 312,882,000,000           
        bank
      		39,562,000,000 39,562,000,000  47,722,000,000    44,012,000,000 41,990,000,000 41,990,000,000 44,522,000,000 44,522,000,000 25,791,000,000 32,521,000,000 32,521,000,000  23,757,000,000 23,757,000,000    19,032,000,000 19,032,000,000   21,083,000,000 21,083,000,000    18,223,000,000 18,223,000,000    13,543,000,000 13,543,000,000   15,835,000,000 15,835,000,000           
        obligations related to securities sold short
      		49,891,000,000 49,891,000,000  35,286,000,000 31,487,000,000 35,012,000,000 36,653,000,000 35,511,000,000 37,841,000,000 37,841,000,000 29,285,000,000 29,285,000,000 35,069,000,000 32,247,000,000 32,247,000,000  30,008,000,000 30,008,000,000    50,369,000,000 50,369,000,000   47,658,000,000 47,658,000,000    50,345,000,000 50,345,000,000    47,128,000,000 47,128,000,000   40,756,000,000 40,756,000,000           
        obligations related to assets sold under repurchase agreements and securities loaned
      		289,516,000,000 289,516,000,000  305,321,000,000 279,721,000,000 334,490,000,000 334,465,000,000 273,947,000,000 262,201,000,000 262,201,000,000 274,231,000,000 274,231,000,000 226,586,000,000 206,814,000,000 206,814,000,000  143,084,000,000 143,084,000,000    103,441,000,000 103,441,000,000   83,288,000,000 83,288,000,000    64,331,000,000 64,331,000,000    60,416,000,000 60,416,000,000   64,032,000,000 64,032,000,000           
        insurance contract liabilities
      		24,327,000,000 24,327,000,000  22,231,000,000                                                
        other liabilities
      		108,591,000,000 108,591,000,000  94,677,000,000 95,744,000,000 107,065,000,000 106,791,000,000 95,235,000,000 70,301,000,000 70,301,000,000 69,831,000,000 69,831,000,000 58,137,000,000 52,273,000,000 52,273,000,000  46,955,000,000 46,955,000,000    47,947,000,000 47,947,000,000   41,507,000,000 41,507,000,000    37,309,000,000 37,309,000,000    39,113,000,000 39,113,000,000   41,371,000,000 41,371,000,000       156,398,000,000 141,087,000,000 130,301,000,000 121,669,000,000 
        subordinated debentures
      		13,961,000,000 13,961,000,000 13,832,000,000 13,546,000,000 13,464,000,000 11,525,000,000 11,202,000,000 10,025,000,000 9,593,000,000 9,593,000,000 9,867,000,000 9,867,000,000 9,815,000,000 9,131,000,000 9,131,000,000 8,961,000,000 9,265,000,000 9,265,000,000 9,200,000,000 9,646,000,000 9,487,000,000 9,762,000,000 9,762,000,000 9,564,000,000 9,854,000,000 7,362,000,000 7,362,000,000 7,374,000,000 7,795,000,000 7,889,000,000 7,859,000,000 7,859,000,000 6,810,000,000 6,486,000,000 6,521,000,000 7,443,000,000 7,443,000,000 7,392,000,000 9,441,000,000 7,615,000,000 7,615,000,000 7,646,000,000 7,617,000,000 6,661,000,000 5,896,000,000 7,784,000,000      
        total liabilities
      		2,185,855,000,000 2,185,855,000,000 2,092,261,000,000 2,044,390,000,000 1,909,446,000,000 1,857,917,000,000 1,845,305,000,000 1,809,044,000,000 1,607,561,000,000 1,607,561,000,000 1,537,781,000,000 1,537,781,000,000 1,345,310,000,000 1,254,779,000,000 1,254,779,000,000 1,202,951,000,000 1,138,425,000,000 1,138,425,000,000 1,128,186,000,000 1,129,751,000,000 1,089,615,000,000 1,108,646,000,000 1,108,646,000,000 1,082,231,000,000 1,130,464,000,000 1,010,264,000,000 1,010,264,000,000 1,023,275,000,000 973,925,000,000 1,029,274,000,000 886,047,000,000 886,047,000,000 860,373,000,000 844,410,000,000 853,199,000,000 810,484,000,000 810,484,000,000 802,334,000,000 790,509,000,000 779,072,000,000 779,072,000,000 779,469,000,000 690,359,000,000 665,911,000,000 621,865,000,000       
        equity attributable to shareholders
      		  135,563,000,000             72,736,000,000   72,274,000,000 72,570,000,000 71,566,000,000   67,538,000,000 69,315,000,000   60,103,000,000 56,431,000,000 55,665,000,000   51,714,000,000 49,690,000,000 49,743,000,000   47,213,000,000 45,312,000,000   43,168,000,000          
        preferred shares and other equity instruments
      		11,675,000,000 11,675,000,000  9,031,000,000    7,318,000,000 6,684,000,000 6,684,000,000 5,945,000,000 5,945,000,000                                        
        common shares
      		20,753,000,000 20,753,000,000  20,952,000,000    16,984,000,000 17,655,000,000 17,655,000,000 17,499,000,000 17,499,000,000 17,587,000,000 17,617,000,000 17,617,000,000  17,703,000,000 17,703,000,000    17,859,000,000 17,859,000,000   14,573,000,000 14,573,000,000    14,511,000,000 14,511,000,000    14,377,000,000 14,377,000,000   14,323,000,000 14,323,000,000           
        retained earnings
      		96,938,000,000 96,938,000,000  88,608,000,000    78,037,000,000 71,795,000,000 71,795,000,000 59,806,000,000 59,806,000,000 55,981,000,000 51,112,000,000 51,112,000,000  45,359,000,000 45,359,000,000    41,519,000,000 41,519,000,000   37,811,000,000 37,811,000,000    31,615,000,000 31,615,000,000    28,314,000,000 28,314,000,000   24,270,000,000 24,270,000,000           
        other components of equity
      		9,726,000,000 9,726,000,000  8,498,000,000    5,725,000,000 2,533,000,000 2,533,000,000 3,414,000,000 3,414,000,000 4,248,000,000 4,823,000,000 4,823,000,000  4,354,000,000 4,354,000,000    4,926,000,000 4,926,000,000   4,626,000,000 4,626,000,000    2,418,000,000 2,418,000,000    1,207,000,000 1,207,000,000   830,000,000 830,000,000           
        non-controlling interests
      		59,000,000 59,000,000 69,000,000 103,000,000    111,000,000 95,000,000 95,000,000 103,000,000 103,000,000 102,000,000 94,000,000 94,000,000 588,000,000 599,000,000 599,000,000 587,000,000 598,000,000 585,000,000 595,000,000 595,000,000 588,000,000 573,000,000 1,798,000,000 1,798,000,000 1,795,000,000 1,816,000,000 1,756,000,000 1,813,000,000 1,813,000,000 1,783,000,000 1,793,000,000 1,772,000,000 1,795,000,000 1,795,000,000 1,757,000,000 1,764,000,000 1,761,000,000 1,761,000,000 1,757,000,000          
        total equity
      		139,151,000,000 139,151,000,000 135,632,000,000 127,192,000,000 121,604,000,000 116,488,000,000 112,429,000,000 108,175,000,000 98,762,000,000 98,762,000,000 86,767,000,000 86,767,000,000 83,625,000,000 79,955,000,000 79,955,000,000 73,324,000,000 74,428,000,000 74,428,000,000 72,861,000,000 73,168,000,000 72,151,000,000 71,612,000,000 71,612,000,000 68,126,000,000 69,888,000,000 63,944,000,000 63,944,000,000 61,898,000,000 58,247,000,000 57,421,000,000 54,503,000,000 54,503,000,000 53,497,000,000 51,483,000,000 51,515,000,000 50,335,000,000 50,335,000,000 48,970,000,000 47,076,000,000 46,028,000,000 46,028,000,000 44,925,000,000          
        total liabilities and equity
      		2,325,006,000,000 2,325,006,000,000 2,227,893,000,000 2,171,582,000,000 2,031,050,000,000 1,974,405,000,000 1,957,734,000,000 1,917,219,000,000 1,706,323,000,000 1,706,323,000,000 1,624,548,000,000 1,624,548,000,000 1,428,935,000,000 1,334,734,000,000 1,334,734,000,000 1,276,275,000,000 1,212,853,000,000 1,212,853,000,000 1,201,047,000,000 1,202,919,000,000 1,161,766,000,000 1,180,258,000,000 1,180,258,000,000 1,150,357,000,000 1,200,352,000,000 1,074,208,000,000 1,074,208,000,000 1,085,173,000,000 1,032,172,000,000 1,086,695,000,000 940,550,000,000 940,550,000,000 913,870,000,000 895,893,000,000 904,714,000,000 860,819,000,000 860,819,000,000 851,304,000,000 837,585,000,000 825,100,000,000 825,100,000,000 824,394,000,000          
        personal banking
      		  5,060,000,000                                                 
        commercial banking
      		  2,152,000,000                                                 
        wealth management
      		  5,513,000,000                                                 
        insurance
      		  368,000,000                                                 
        capital markets
      		  3,758,000,000                                                 
        corporate support
      		  134,000,000                                                 
        total revenue
      		  16,985,000,000                                         4,216,000,000  4,454,000,000      
        pcl
      		  881,000,000                                                 
        non-interest expense
      		  9,232,000,000                                                 
        income before income taxes
      		  6,872,000,000                                                 
        income taxes
      		  1,458,000,000                                                 
        net income
      		  5,414,000,000                                         1,178,000,000  1,023,000,000      
        eps  – basic
      		  3,760,000                                                 
        – diluted
      		  3,750,000                                                 
        effective income tax rate
      		  21,200,000                                                 
        period average us equivalent of c1.00
      		  728,000                                                 
        securities, net of applicable allowance
      		  538,012,000,000             222,262,000,000                                    
        other – derivatives
      		  155,023,000,000             105,512,000,000   105,833,000,000 100,763,000,000 97,419,000,000   115,298,000,000 132,560,000,000   112,459,000,000 107,004,000,000 150,564,000,000   72,823,000,000 72,633,000,000 79,475,000,000   77,846,000,000 87,243,000,000   103,257,000,000 85,228,000,000 96,436,000,000  144,376,000,000      
        – other
      		  135,815,000,000             78,935,000,000   77,941,000,000 76,069,000,000 71,461,000,000   72,713,000,000 79,075,000,000   70,413,000,000 67,272,000,000 69,013,000,000   53,982,000,000 54,680,000,000 56,875,000,000   54,830,000,000 56,154,000,000   59,361,000,000 62,078,000,000 37,653,000,000  46,691,000,000      
        liabilities
      		                                                   
        customers’ liability under acceptances
      		   35,000,000    17,827,000,000 19,798,000,000 19,798,000,000 18,507,000,000 18,507,000,000 18,062,000,000 15,641,000,000 15,641,000,000  16,459,000,000 16,459,000,000    12,843,000,000 12,843,000,000   13,453,000,000 13,453,000,000    11,462,000,000 11,462,000,000    9,953,000,000 9,953,000,000   9,385,000,000 9,385,000,000           
        acceptances
      		   35,000,000    17,872,000,000 19,873,000,000 19,873,000,000 18,618,000,000 18,618,000,000 18,091,000,000 15,662,000,000 15,662,000,000  16,459,000,000 16,459,000,000    12,843,000,000 12,843,000,000   13,453,000,000 13,453,000,000    11,462,000,000 11,462,000,000    9,953,000,000 9,953,000,000   9,385,000,000 9,385,000,000           
        assets subject to market risk
      		                                                   
        assets not subject to market risk
      		    15,784,000,000 15,810,000,000 14,891,000,000                                             
        liabilities subject to market risk
      		                                                   
        liabilities not subject to market risk
      		    24,859,000,000 21,683,000,000 20,358,000,000                                             
        segregated fund net assets
      		      2,921,000,000 2,638,000,000 2,666,000,000 2,666,000,000 1,922,000,000 1,922,000,000 1,663,000,000 1,368,000,000 1,368,000,000  1,216,000,000 1,216,000,000  1,096,000,000 1,021,000,000 981,000,000 981,000,000 882,000,000 839,000,000 830,000,000 830,000,000 821,000,000 780,000,000 719,000,000   645,000,000 593,000,000 542,000,000                 
        segregated fund liabilities
      		      2,921,000,000             1,096,000,000 1,021,000,000   882,000,000 839,000,000   821,000,000 780,000,000 719,000,000   645,000,000 593,000,000 542,000,000                 
        segregated fund net liabilities
      		       2,638,000,000 2,666,000,000 2,666,000,000 1,922,000,000 1,922,000,000 1,663,000,000 1,368,000,000 1,368,000,000  1,216,000,000 1,216,000,000    981,000,000 981,000,000   830,000,000 830,000,000                         
        insurance claims and policy benefit liabilities
      		       11,511,000,000 12,816,000,000 12,816,000,000 12,215,000,000 12,215,000,000 11,401,000,000 10,000,000,000 10,000,000,000  9,676,000,000 9,676,000,000    9,164,000,000 9,164,000,000   9,110,000,000 9,110,000,000    8,564,000,000 8,564,000,000    8,034,000,000 8,034,000,000   7,921,000,000 7,921,000,000           
        other - sum
      		          214,904,000,000   172,400,000,000                                      
        liabilities and equity - sum
      		          1,011,885,000,000                                         
        equity attributable to shareholders - sum
      		          86,664,000,000   79,861,000,000                                      
        preferred shares
      		            5,707,000,000 6,309,000,000 6,309,000,000  6,413,000,000 6,413,000,000    6,713,000,000 6,713,000,000   5,100,000,000 5,100,000,000    4,075,000,000 4,075,000,000    4,600,000,000 4,600,000,000   4,813,000,000 4,813,000,000           
        securities - sum
      		             222,866,000,000                                      
        loans - sum
      		             579,730,000,000                                      
        deposits - sum
      		             837,046,000,000                                      
        available-for-sale
      		                90,722,000,000 90,722,000,000    84,801,000,000 84,801,000,000   56,805,000,000 56,805,000,000    47,768,000,000 47,768,000,000    38,695,000,000 38,695,000,000   40,828,000,000 40,828,000,000           
        investments in joint ventures and associates
      		                         360,000,000 360,000,000                         
        employee benefit assets
      		                         245,000,000 245,000,000                         
        employee benefit liabilities
      		                         1,969,000,000 1,969,000,000                         
        treasury shares - preferred
      		                         -2,000,000 -2,000,000         1,000,000 1,000,000   1,000,000 1,000,000           
        - common
      		                         38,000,000 38,000,000    71,000,000 71,000,000    41,000,000 41,000,000   30,000,000 30,000,000           
        investments for account of segregated fund holders
      		                              675,000,000 675,000,000    513,000,000 513,000,000 463,000,000 406,000,000 383,000,000 383,000,000 357,000,000          
        investments in associates
      		                              295,000,000 295,000,000    112,000,000 112,000,000   125,000,000 125,000,000           
        prepaid pension benefit cost
      		                              138,000,000 138,000,000    1,084,000,000 1,084,000,000   1,049,000,000 1,049,000,000           
        insurance and investment contracts for account of segregated fund holders
      		                              675,000,000 675,000,000    513,000,000 513,000,000 463,000,000 406,000,000 383,000,000 383,000,000 357,000,000          
        accrued pension and other post-employment benefit expense
      		                              2,420,000,000 2,420,000,000    1,759,000,000 1,759,000,000   1,729,000,000 1,729,000,000           
        trust capital securities
      		                                   900,000,000 900,000,000 828,000,000 900,000,000 900,000,000 900,000,000 900,000,000  744,000,000 1,386,000,000 1,399,000,000      
        preferred share liabilities
      		                                 490,000,000 490,000,000                 
        – assets of discontinued operations
      		                                                   
        – liabilities of discontinued operations
      		                                                   
        assets of discontinued operations
      		                                                   
        liabilities of discontinued operations
      		                                                   
        retail loans
      		                                          224,452,000,000 216,878,000,000 206,884,000,000       
        wholesale loans
      		                                          64,794,000,000 72,041,000,000 74,439,000,000       
        liabilities and shareholders’ equity
      		                                                   
        nci in subsidiaries
      		                                          1,920,000,000 2,215,000,000 2,101,000,000       
        total shareholders’ equity
      		                                          40,211,000,000 38,513,000,000 37,634,000,000       
        total liabilities and shareholders’ equity
      		                                          730,570,000,000 704,424,000,000 659,499,000,000 713,176,000,000      
        other — derivatives
      		                                            85,828,000,000       
        other — other
      		                                            36,548,000,000       
        non-controlling interest in subsidiaries
      		                                             2,308,000,000  1,800,000,000 1,865,000,000   
        shareholders’ equity
      		                                             34,172,000,000  21,547,000,000 20,235,000,000 20,242,000,000 19,806,000,000 
        trading account
      		                                               137,672,000,000 131,551,000,000 117,545,000,000 101,808,000,000 
        investment account and loan substitutes
      		                                               35,131,000,000 34,107,000,000 38,137,000,000 37,777,000,000 
        total securities
      		                                               172,803,000,000 165,658,000,000 155,682,000,000 139,585,000,000 
        residential mortgages
      		                                               95,688,000,000 91,776,000,000 88,029,000,000 85,953,000,000 
        personal loans
      		                                               44,022,000,000 41,337,000,000 40,628,000,000 39,275,000,000 
        credit cards
      		                                               6,792,000,000 5,468,000,000 6,013,000,000 5,791,000,000 
        business and government loans
      		                                               59,418,000,000 55,615,000,000 52,381,000,000 49,779,000,000 
        total loans
      		                                               205,920,000,000 194,196,000,000 187,051,000,000 180,798,000,000 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2024-01-31 2018-02-23 2017-08-23 2017-05-25 2017-02-24 2016-05-26 2016-02-24 2015-08-26 2015-05-28 2015-02-25 2014-08-22 2014-05-22 2014-02-26 2013-02-28 2010-03-03 2009-02-26 2008-02-29 2006-10-31 2006-07-31 2006-04-30 2006-03-03 2006-01-31 2005-10-31 2005-07-31 2005-05-27 2005-04-30 2005-01-31 2004-10-31 2004-07-31 2004-04-30 2004-03-05 2004-01-31 2003-10-31 2003-07-31 2003-04-30 2003-03-14 2003-01-31 
                                             
          cash flows from operating activities
        		                                     
          net income
        		3,582,000,000 3,012,000,000 -13,000,000 -218,000,000 3,027,000,000 126,000,000 2,447,000,000 -27,000,000 46,000,000 2,456,000,000 177,000,000 109,000,000 2,092,000,000 2,070,000,000 1,497,000,000 1,053,000,000 1,245,000,000        0 907,000,000 1,041,000,000 503,254,000,000 -6,000,000,000 773,207,000,000 793,000,000 793,000,000,000 2,260,000,000 87,000,000 -78,000,000 767,000,000 767,000,000 
          adjustments for non-cash items and others
        		                                     
          provision for credit losses
        		813,000,000 334,000,000 18,000,000 8,000,000 294,000,000 50,000,000 410,000,000 -12,000,000 12,000,000 270,000,000 39,000,000 -48,000,000 292,000,000 349,000,000 493,000,000 747,000,000 293,000,000    47,000,000                 
          depreciation
        		320,000,000 135,000,000 -5,000,000 -16,000,000 162,000,000 -16,000,000 152,000,000 -7,000,000 7,000,000 127,000,000 2,000,000 4,000,000 119,000,000 112,000,000 99,000,000 95,000,000 121,000,000 4,000,000 3,000,000 1,000,000 98,000,000 98,000,000 -1,000,000 -2,000,000 0 106,000,000 102,000,000 100,898,000,000 10,000,000,000 88,905,000,000 95,000,000 95,000,000,000      
          deferred income taxes
        		-606,000,000 271,000,000 427,000,000 -578,000,000 304,000,000 -279,000,000 91,000,000 -152,000,000 93,000,000 5,000,000 -82,000,000 -343,000,000 248,000,000 114,000,000          60,000,000 0 -122,000,000 20,000,000 267,042,000,000 -40,000,000,000 4,048,000,000 -48,000,000 -48,000,000,000      
          amortization and impairment of other intangibles
        		354,000,000 261,000,000 6,000,000 -1,000,000 252,000,000 -2,000,000 234,000,000 -5,000,000 9,000,000 175,000,000 10,000,000 7,000,000 156,000,000                         
          net changes in investments in joint ventures and associates
        		-12,000,000 -22,000,000 7,000,000 210,000,000 -250,000,000                                 
          losses on investment securities
        		-70,000,000 -43,000,000                                    
          losses on disposition of businesses
        		-4,000,000                                     
          adjustments for net changes in operating assets and liabilities
        		                                     
          insurance contract liabilities
        		2,316,000,000                                     
          net change in accrued interest receivable and payable
        		175,000,000 -132,000,000 97,000,000 181,000,000 -186,000,000 369,000,000 -221,000,000 -434,000,000 580,000,000 -318,000,000 -392,000,000 308,000,000 -49,000,000 -406,000,000 -363,000,000 -398,000,000 99,000,000 -121,000,000 377,000,000 -156,000,000 13,000,000 13,000,000 229,000,000    -5,000,000 -76,127,000,000 198,000,000,000 -99,879,000,000 -121,000,000 -121,000,000,000      
          current income taxes
        		315,000,000 -1,970,000,000 1,242,000,000 696,000,000 -1,115,000,000 1,285,000,000 -204,000,000 -845,000,000 1,881,000,000 -1,143,000,000 147,000,000 1,140,000,000 -853,000,000 382,000,000 -1,877,000,000 225,000,000 -1,535,000,000 473,000,000 -142,000,000 -84,000,000 -35,000,000 -35,000,000 -288,000,000 537,000,000 0 -201,000,000 -192,000,000 238,620,000,000 49,000,000,000 332,376,000,000 -1,376,000,000 -1,376,000,000,000      
          derivative assets
        		37,412,000,000 -10,489,000,000 -1,726,000,000 -24,869,000,000 21,525,000,000 44,102,000,000 -26,840,000,000 -49,019,000,000 106,722,000,000 -63,162,000,000 -7,032,000,000 11,495,000,000 -4,653,000,000 4,050,000,000 6,345,000,000 -8,242,000,000 -6,760,000,000                     
          derivative liabilities
        		-35,655,000,000 12,092,000,000 1,787,000,000 24,289,000,000 -20,904,000,000 -39,610,000,000 24,066,000,000 44,529,000,000 -104,537,000,000 63,887,000,000 9,386,000,000 -11,453,000,000 3,957,000,000 -4,499,000,000 -3,144,000,000 1,491,000,000 2,117,000,000                     
          trading securities
        		-2,521,000,000 1,194,000,000 -6,160,000,000 748,000,000 9,073,000,000 12,895,000,000 -3,364,000,000 -13,800,000,000 40,976,000,000 -29,745,000,000 -4,830,000,000 5,149,000,000 -4,699,000,000 -9,975,000,000 -3,879,000,000 4,332,000,000 -2,984,000,000                     
          loans, net of securitizations
        		-5,838,000,000 -3,579,000,000 7,262,000,000 -9,856,000,000 -415,000,000 21,791,000,000 -13,956,000,000 -13,668,000,000 11,689,000,000 -13,069,000,000                            
          assets purchased under reverse repurchase agreements and securities borrowed
        		-7,680,000,000 -38,789,000,000 27,908,000,000 -8,663,000,000 -10,983,000,000 32,728,000,000 -21,310,000,000 -9,496,000,000 28,198,000,000 -27,993,000,000                            
          obligations related to assets sold under repurchase agreements and securities loaned
        		-748,000,000 40,235,000,000 -10,456,000,000 -15,552,000,000 20,033,000,000 -18,758,000,000 16,022,000,000 2,123,000,000 -17,064,000,000 16,970,000,000                            
          obligations related to securities sold short
        		1,361,000,000 396,000,000 3,819,000,000 11,762,000,000 -12,400,000,000 -9,083,000,000 4,273,000,000 6,513,000,000 -14,311,000,000 9,140,000,000                   -1,459,000,000,000 942,111,000,000 1,889,000,000 1,889,000,000,000      
          deposits, net of securitizations
        		9,481,000,000 10,414,000,000 -33,786,000,000 28,148,000,000 -77,000,000 -57,402,000,000 30,099,000,000 46,601,000,000                              
          brokers and dealers receivable and payable
        		-497,000,000 -166,000,000 -714,000,000 172,000,000 5,000,000 -1,027,000,000 616,000,000 -256,000,000 -1,708,000,000 1,170,000,000                            
          other
        		-4,141,000,000 1,225,000,000 7,408,000,000 -1,010,000,000 -554,000,000 16,371,000,000 -6,512,000,000 237,000,000 -2,629,000,000 -1,944,000,000 -3,783,000,000 10,748,000,000 -6,182,000,000 -453,000,000 -934,000,000 -2,054,000,000 -434,000,000 305,000,000 -4,411,000,000 2,679,000,000 373,000,000 373,000,000 -1,706,000,000 -1,029,000,000 0 2,179,000,000 -2,123,000,000 -4,529,904,000,000 4,308,000,000,000 -2,134,366,000,000 5,366,000,000 5,366,000,000,000      
          net cash from operating activities
        		-1,643,000,000 14,574,000,000 -3,277,000,000 6,282,000,000 7,376,000,000 3,706,000,000 6,115,000,000 12,345,000,000   879,000,000 3,249,000,000 568,000,000   385,000,000  2,888,000,000 -18,123,000,000      0 1,062,000,000 -9,452,000,000 -1,562,772,000,000 7,056,000,000,000 -256,680,000,000 -3,320,000,000 -3,320,000,000,000 -12,004,000,000 5,732,000,000 1,498,000,000 -1,905,000,000 -1,905,000,000 
          capital expenditures
        		0 0 0 0 0 0 0 0   0 0 0   0  0 0      0 0 0 0 0 0 0 0 0 0 0 0 0 
          free cash flows
        		-1,643,000,000 14,574,000,000 -3,277,000,000 6,282,000,000 7,376,000,000 3,706,000,000 6,115,000,000 12,345,000,000   879,000,000 3,249,000,000 568,000,000   385,000,000  2,888,000,000 -18,123,000,000      0 1,062,000,000 -9,452,000,000 -1,562,772,000,000 7,056,000,000,000 -256,680,000,000 -3,320,000,000 -3,320,000,000,000 -12,004,000,000 5,732,000,000 1,498,000,000 -1,905,000,000 -1,905,000,000 
          cash flows from investing activities
        		                                     
          change in interest-bearing deposits with banks
        		10,006,000,000 -4,607,000,000 -6,728,000,000 -8,966,000,000 5,471,000,000 -6,153,000,000 833,000,000 -6,107,000,000 -5,353,000,000 4,772,000,000 -3,208,000,000 2,241,000,000 794,000,000 1,756,000,000 1,659,000,000 4,679,000,000 -1,783,000,000 3,480,000,000 -4,587,000,000 7,711,000,000 -5,676,000,000 -5,676,000,000 672,000,000 796,000,000 0 -229,000,000 -497,000,000 -600,636,000,000 -3,307,000,000,000 938,004,000,000 -2,004,000,000 -2,004,000,000,000 3,637,000,000 2,392,000,000 -3,303,000,000 1,400,000,000 1,400,000,000 
          proceeds from sales and maturities of investment securities
        		65,480,000,000                                     
          purchases of investment securities
        		-60,887,000,000 -13,342,000,000                                    
          net acquisitions of premises and equipment and other intangibles
        		-482,000,000 -357,000,000 186,000,000 -157,000,000 -257,000,000 257,000,000 -407,000,000 -231,000,000 63,000,000 -281,000,000 -59,000,000 80,000,000 -311,000,000 -249,000,000                        
          net proceeds from (cash transferred for) dispositions
        		9,000,000                                     
          net cash from investing activities
        		14,126,000,000 -5,957,000,000 -10,075,000,000 -9,336,000,000 4,440,000,000 -8,582,000,000 -2,318,000,000 -9,265,000,000 -10,794,000,000 5,236,000,000    3,565,000,000  8,793,000,000  14,737,000,000 -1,893,000,000 -1,790,000,000 -12,204,000,000 -12,204,000,000 11,378,000,000 -2,333,000,000 0 -6,585,000,000 6,573,000,000 6,592,989,000,000 3,829,000,000,000 -9,854,491,000,000 -2,509,000,000 -2,509,000,000,000 7,217,000,000 -11,549,000,000 1,475,000,000 -2,388,000,000 -2,388,000,000 
          cash flows from financing activities
        		                                     
          issuance of subordinated debentures
        		                                     
          repayment of subordinated debentures
        		      -1,500,000,000   -200,000,000   -1,000,000,000  -500,000,000 -500,000,000 -500,000,000 -663,000,000 224,000,000    -684,000,000 53,000,000 0 -69,000,000  -148,476,000,000 -174,000,000,000         
          issue of common shares, net of issuance costs
        		36,000,000                                     
          issue of preferred shares and other equity instruments, net of issuance costs
        		744,000,000                                     
          redemption of preferred shares and other equity instruments
        		-21,000,000                                     
          sales of treasury shares and other equity instruments
        		1,340,000,000                                     
          purchases of treasury shares and other equity instruments
        		-1,203,000,000                                     
          dividends paid on shares and distributions paid on other equity instruments
        		-1,240,000,000                                     
          dividends/distributions paid to non-controlling interests
        		-1,000,000 -18,000,000   -17,000,000  -46,000,000   -46,000,000   -47,000,000 -47,000,000                        
          change in short-term borrowings of subsidiaries
        		533,000,000 -1,000,000 -1,000,000 -7,000,000 -5,000,000 -13,000,000 2,000,000 94,000,000 -135,000,000 24,000,000 -17,000,000 -8,000,000 5,000,000 -97,000,000 -1,685,000,000 -1,177,000,000 161,000,000 1,841,000,000 -668,000,000 461,000,000 -317,000,000 -317,000,000 15,000,000 515,000,000 0 -340,000,000 -657,000,000 3,475,154,000,000 -1,765,000,000,000 -1,392,484,000,000 3,484,000,000 3,484,000,000,000 -1,858,000,000 -385,000,000 -143,000,000 27,000,000 27,000,000 
          repayment of lease liabilities
        		-153,000,000                                     
          net cash from financing activities
        		35,000,000 -2,400,000,000 2,407,000,000 -2,456,000,000 -1,290,000,000 -1,356,000,000 522,000,000 -323,000,000 227,000,000 -1,186,000,000 1,602,000,000   960,000,000 8,531,000,000 -10,168,000,000 31,252,000,000 -15,601,000,000 18,009,000,000 -8,882,000,000 15,992,000,000 15,992,000,000 -22,020,000,000 19,671,000,000 0 5,334,000,000 3,471,000,000 -7,185,438,000,000 -10,085,000,000,000 10,531,716,000,000 6,284,000,000 6,284,000,000,000 5,335,000,000 5,954,000,000 -3,772,000,000 4,760,000,000 4,760,000,000 
          effect of exchange rate changes on cash and due from banks
        		-160,000,000 -136,000,000 -426,000,000 231,000,000 -92,000,000 -571,000,000 279,000,000 460,000,000 -528,000,000 348,000,000 32,000,000 -204,000,000 164,000,000  -21,000,000 103,000,000 113,000,000 -29,000,000 59,000,000 21,000,000 -58,000,000 -58,000,000 -52,000,000 -62,000,000 0 16,000,000 6,000,000           
          net change in cash and due from banks
        		12,358,000,000 6,081,000,000 -11,371,000,000 -5,279,000,000 10,434,000,000 -6,803,000,000 4,598,000,000 3,217,000,000 -4,240,000,000 2,606,000,000 -1,675,000,000 3,857,000,000 -1,764,000,000  1,182,000,000 -887,000,000 -39,000,000 1,995,000,000 -1,948,000,000 859,000,000 -319,000,000 -319,000,000 -1,437,000,000 1,324,000,000 0 -173,000,000 598,000,000 -2,174,221,000,000 800,000,000,000 420,545,000,000 455,000,000 455,000,000,000 548,000,000 137,000,000 -799,000,000 467,000,000 467,000,000 
          cash and due from banks at beginning of period
        		61,989,000,000 28,407,000,000 5,155,000,000 10,434,000,000 14,929,000,000 4,598,000,000 12,452,000,000 -1,634,000,000 2,606,000,000 17,421,000,000 2,093,000,000 -1,764,000,000 15,550,000,000  8,353,000,000 11,086,000,000 4,226,000,000 -1,408,000,000 540,000,000 -319,000,000 5,001,000,000 5,001,000,000 1,151,000,000 -173,000,000 0 4,309,000,000 3,711,000,000 6,927,237,000,000 421,000,000,000 3,339,113,000,000 2,887,000,000 2,887,000,000,000  -332,000,000 467,000,000 2,534,000,000 2,534,000,000 
          cash and due from banks at end of period
        		74,347,000,000 34,488,000,000 -6,216,000,000 5,155,000,000 25,363,000,000 -2,205,000,000 17,050,000,000 1,583,000,000 -1,634,000,000 20,027,000,000 418,000,000 2,093,000,000 13,786,000,000  9,535,000,000 10,199,000,000 4,187,000,000 587,000,000 -1,408,000,000 540,000,000 4,682,000,000 4,682,000,000 -286,000,000 1,151,000,000 0 4,136,000,000 4,309,000,000 4,753,016,000,000 1,221,000,000,000 3,759,658,000,000 3,342,000,000 3,342,000,000,000  -195,000,000 -332,000,000 3,001,000,000 3,001,000,000 
          cash flows from operating activities include:
        		                                     
          amount of interest paid
        		18,920,000,000 3,001,000,000 423,000,000 -154,000,000 2,074,000,000 -179,000,000 1,818,000,000 294,000,000 -444,000,000 2,032,000,000 512,000,000 -683,000,000 2,170,000,000 2,371,000,000                        
          amount of interest received
        		24,950,000,000 7,255,000,000 555,000,000 56,000,000 6,043,000,000 36,000,000 5,710,000,000 21,000,000 183,000,000 5,166,000,000 175,000,000 -413,000,000 5,407,000,000 5,064,000,000                        
          amount of dividends received
        		1,058,000,000                                     
          amount of income taxes paid
        		855,000,000 3,118,000,000 -277,000,000 -957,000,000 2,002,000,000 200,000,000 212,000,000 -290,000,000 21,000,000 565,000,000 -159,000,000 -193,000,000 712,000,000 260,000,000                        
          losses on disposition of business
        		     -2,000,000 8,000,000                               
          insurance claims and policy benefit liabilities
        		 195,000,000 -408,000,000 856,000,000 -379,000,000 130,000,000 195,000,000 89,000,000 -943,000,000 876,000,000 262,000,000 -33,000,000 81,000,000 35,000,000 375,000,000 495,000,000 275,000,000 -185,000,000 138,000,000 -1,000,000 33,000,000 33,000,000 149,000,000 -95,000,000 0 149,000,000 427,000,000 21,315,000,000 -864,000,000,000 378,395,000,000 -1,395,000,000 -1,395,000,000,000      
          proceeds from dispositions
        		                                     
          cash from acquisitions
        		      -2,964,000,000                               
          common shares purchased for cancellation
        		 -923,000,000  -2,384,000,000 -102,000,000      87,000,000                           
          sales of treasury shares
        		 1,494,000,000 -10,000,000 -65,000,000 1,212,000,000 460,000,000 1,029,000,000 -422,000,000 147,000,000 1,796,000,000 741,000,000 -27,000,000 1,081,000,000 681,000,000 47,000,000 33,000,000 11,000,000                     
          purchases of treasury shares
        		 -1,474,000,000 111,000,000 40,000,000 -1,165,000,000 -685,000,000 -978,000,000                               
          impairment of available-for-sale securities
        		  -2,000,000 -3,000,000 17,000,000 -10,000,000 24,000,000 -8,000,000 4,000,000 14,000,000 -3,000,000 -5,000,000 10,000,000                         
          proceeds from sale of investment securities
        		 5,217,000,000                                    
          proceeds from maturity of investment securities
        		 7,132,000,000                                    
          issue of common shares
        		 23,000,000 -3,000,000 -58,000,000 96,000,000 23,000,000 86,000,000 -20,000,000 5,000,000 20,000,000 -11,000,000 -35,000,000 65,000,000 44,000,000 28,000,000 2,310,000,000 32,000,000 14,000,000 -20,000,000 -6,000,000 40,000,000 40,000,000 27,000,000 -31,000,000 0 64,000,000 41,000,000   40,951,000,000 49,000,000 49,000,000,000 142,000,000 6,000,000 -36,000,000 71,000,000 71,000,000 
          redemption of preferred shares
        		 -105,000,000        -325,000,000                            
          dividends paid
        		 -1,396,000,000 -41,000,000 2,000,000 -1,309,000,000 -40,000,000 -1,195,000,000 -37,000,000 4,000,000 -1,125,000,000 -49,000,000 -2,000,000 -1,026,000,000 -932,000,000 -610,000,000 -696,000,000 -661,000,000 -12,000,000 -52,000,000 3,000,000 -425,000,000 -425,000,000 -39,000,000 -5,000,000 0 -360,000,000 -344,000,000 -343,653,000,000          
          amount of dividend received
        		 410,000,000 56,000,000 -237,000,000 592,000,000 -42,000,000 424,000,000 59,000,000 78,000,000 405,000,000 153,000,000 15,000,000 369,000,000 369,000,000                        
          losses on sale of premises and equipment
        		    -7,000,000 1,000,000 1,000,000                               
          losses on available-for-sale securities
        		  11,000,000 -31,000,000 -46,000,000 43,000,000 -75,000,000                               
          proceeds from sale of available-for-sale securities
        		  -537,000,000 804,000,000 2,234,000,000 -1,284,000,000 2,625,000,000 -245,000,000 597,000,000 2,227,000,000 -294,000,000 -1,079,000,000 2,076,000,000 3,099,000,000 4,821,000,000 5,210,000,000 463,000,000                     
          proceeds from maturity of available-for-sale securities
        		  -449,000,000 -1,514,000,000 11,021,000,000 499,000,000 6,658,000,000 -318,000,000 59,000,000 8,306,000,000 1,711,000,000 -214,000,000 8,886,000,000 11,152,000,000 9,257,000,000 2,857,000,000 4,926,000,000                     
          purchases of available-for-sale securities
        		  -2,613,000,000 357,000,000 -13,753,000,000 -3,914,000,000 -9,493,000,000 -2,462,000,000 -7,645,000,000 -8,181,000,000 -2,118,000,000 -734,000,000 -11,529,000,000 -12,217,000,000 -11,283,000,000 -10,709,000,000 -7,135,000,000                     
          proceeds from maturity of held-to-maturity securities
        		  62,000,000 -120,000,000 297,000,000 -880,000,000 978,000,000    3,000,000 -72,000,000 142,000,000 150,000,000                        
          purchases of held-to-maturity securities
        		  4,000,000 260,000,000 -573,000,000 -71,000,000 -548,000,000 19,000,000 1,485,000,000 -1,607,000,000 -314,000,000 79,000,000 -132,000,000 -126,000,000                        
          redemption of trust capital securities
        		      -1,200,000,000      -900,000,000                         
          issue of subordinated debentures
        		      3,606,000,000       2,046,000,000               -400,000,000,000 998,500,000,000 1,500,000,000 1,500,000,000,000      
          issue of preferred shares
        		     25,000,000 725,000,000 0 -300,000,000 600,000,000      1,150,000,000   0        300,000,000           
          preferred shares purchased for cancellation
        		                                     
          issuance costs
        		     -2,000,000 -7,000,000 1,000,000 1,000,000 -7,000,000      -61,000,000  11,000,000 2,000,000        -3,000,000      -14,000,000     
          impairment of investments in joint ventures and associates
        		     -2,000,000 6,000,000 -4,000,000 3,000,000 6,000,000                            
          share of loss (profit) in joint ventures and associates
        		     6,000,000 -47,000,000 11,000,000                              
          loss on sale of premises and equipment
        		       6,000,000 37,000,000 -38,000,000 1,000,000 9,000,000 -2,000,000 -1,000,000 14,000,000      -5,000,000                 
          loss on available-for-sale securities
        		       -4,000,000        -12,000,000                      
          loss on disposition of business
        		       -27,000,000                              
          purchase of treasury shares
        		       607,000,000 -66,000,000 -1,923,000,000 -845,000,000 76,000,000 -1,090,000,000 -735,000,000 -35,000,000 -14,000,000 -29,000,000                     
          gain on available-for-sale securities
        		         -41,000,000 39,000,000 -39,000,000 -39,000,000 -79,000,000 -158,000,000                       
          share of profit in joint ventures and associates
        		         -42,000,000 -5,000,000                           
          net gain on sales of joint ventures and associates
        		                                     
          deposits
        		         40,607,000,000                            
          net cash (used in) from operating activities
        		         -1,792,000,000    -3,397,000,000 -976,000,000  -6,319,000,000                     
          change in loans, net of securitizations
        		          -3,396,000,000 1,437,000,000 -7,149,000,000 -2,697,000,000 -4,277,000,000                       
          change in assets purchased under reverse repurchase agreements and securities borrowed
        		          -7,912,000,000 29,840,000,000 -23,152,000,000 -9,076,000,000 -8,005,000,000 3,888,000,000 -12,106,000,000 12,283,000,000 1,057,000,000 -4,146,000,000 -4,591,000,000 -4,591,000,000 2,954,000,000 2,299,000,000 0 -3,755,000,000 9,057,000,000           
          change in deposits
        		          14,228,000,000 -35,692,000,000 32,391,000,000 6,442,000,000 -3,609,000,000 -15,725,000,000 29,211,000,000 -3,094,000,000 4,000,000,000 -97,000,000 8,012,000,000 8,012,000,000 -18,561,000,000 17,452,000,000 0 3,472,000,000            
          change in obligations related to assets sold under repurchase agreements and securities loaned
        		          4,858,000,000 -9,824,000,000 6,599,000,000 297,000,000 7,421,000,000 317,000,000 3,489,000,000 -6,642,000,000 10,241,000,000 -5,986,000,000 5,460,000,000 5,460,000,000 957,000,000 2,293,000,000              
          change in obligations related to securities sold short
        		          26,000,000 -101,000,000 1,706,000,000 9,306,000,000 7,474,000,000 4,194,000,000 -377,000,000 -6,750,000,000 4,336,000,000 -3,307,000,000 3,465,000,000 3,465,000,000 -3,832,000,000 -1,306,000,000 0 3,327,000,000 3,973,000,000           
          net change in brokers and dealers receivable and payable
        		          -901,000,000 537,000,000 -267,000,000 490,000,000 262,000,000 2,909,000,000 1,416,000,000 -418,000,000 2,491,000,000 -1,039,000,000 -616,000,000 -616,000,000 2,808,000,000 -690,000,000 0 75,000,000 1,193,000,000           
          net cash (used in) from investing activities
        		            -74,000,000  -6,352,000,000  -25,085,000,000                     
          issue of preferred share liabilities
        		            490,000,000                         
          gain on disposition of business
        		                                     
          share of loss in joint ventures and associates
        		            -38,000,000                         
          net cash (used in) from financing activities
        		            -2,422,000,000                         
          impairment and amortization of goodwill and other intangibles
        		                                     
          writedown of available-for-sale securities
        		             13,000,000 78,000,000 280,000,000                      
          share of profit in associates
        		             -6,000,000                        
          preferred shares redeemed
        		                                     
          amortization of other intangibles
        		             135,000,000 120,000,000 110,000,000 22,000,000 2,000,000 0 6,000,000 14,000,000 14,000,000 -17,000,000 0 0 16,000,000   -5,000,000,000 20,984,000,000 16,000,000 16,000,000,000      
          effect of exchange rate changes on cash resources
        		             -4,000,000                        
          net change in cash resources
        		             1,124,000,000                        
          cash resources at beginning of period
        		             12,617,000,000                        
          cash resources at end of period
        		             13,741,000,000                        
          cash and due from banks
        		             13,741,000,000                        
          cash and due from banks included in assets of discontinued operations
        		                                     
          gain on securitizations
        		              -33,000,000                       
          proceeds from securitizations
        		              1,650,000,000                       
          net cash (used in acquisitions) from disposition
        		                                     
          redemption of rbc trust capital securities
        		                                     
          net income from continuing operations
        		                 69,000,000 66,000,000 -44,000,000 1,172,000,000 1,172,000,000 -458,000,000               
          adjustments to determine net cash from operating activities
        		                                     
          future income taxes
        		              129,000,000 -277,000,000 -183,000,000 -204,000,000 135,000,000 -2,000,000 21,000,000 21,000,000                
          changes in operating assets and liabilities
        		                                     
          net cash from operating activities from continuing operations
        		                 2,862,000,000 -18,146,000,000                   
          net cash from operating activities from discontinued operations
        		                 26,000,000 23,000,000 -40,000,000 13,000,000 13,000,000 61,000,000               
          net acquisitions of premises and equipment and software
        		              -172,000,000 -156,000,000                      
          net cash from dispositions and (used in) acquisitions
        		                                     
          net cash (used in) from investing activities from continuing operations
        		                                     
          net cash from investing activities from discontinued operations
        		                 62,000,000 -22,000,000 -50,000,000 68,000,000 68,000,000 1,257,000,000               
          dividends/distributions paid by subsidiaries to non-controlling interests
        		               1,000,000    115,000,000 -66,000,000 -66,000,000 -2,000,000 -2,000,000 0 -2,000,000 -52,000,000 -7,922,000,000          
          net cash (used in) from financing activities from continuing operations
        		                                     
          net cash from financing activities from discontinued operations
        		                                     
          net change in cash and due from banks from continuing operations
        		                                     
          cash and due from banks at beginning of period from continuing operations
        		                                     
          cash and due from banks at end of period from continuing operations
        		                                     
          cash and due from banks at end of period from discontinued operations
        		                                     
          supplemental disclosure of cash flow information
        		                                     
          amount of interest paid in period
        		              2,379,000,000 3,585,000,000 4,891,000,000 -5,000,000 684,000,000 109,000,000 3,247,000,000 3,247,000,000 36,000,000 524,000,000 0 2,063,000,000 2,471,000,000 1,689,386,000,000 -218,000,000,000 1,830,133,000,000 1,867,000,000 1,867,000,000,000  122,000,000 -200,000,000 1,948,000,000 1,948,000,000 
          amount of income taxes paid in period
        		                1,504,000,000 -309,000,000 -72,000,000 -71,000,000 575,000,000 575,000,000 198,000,000 -122,000,000 0 446,000,000 640,000,000 475,862,000,000 -217,000,000,000 353,447,000,000 1,553,000,000 1,553,000,000,000  -38,000,000 -342,000,000 759,000,000 759,000,000 
          net cash from acquisitions
        		              -2,000,000  -9,000,000    -242,000,000 -242,000,000                
          redemption of trust preferred notes
        		                                     
          amount of income taxes paid (recovery) in period
        		              2,517,000,000                       
          gain on sale of premises and equipment
        		               -4,000,000 -4,000,000      0 -1,000,000 0 -5,000,000 -4,000,000 -6,991,000,000 22,000,000,000 -30,995,000,000 -5,000,000 -5,000,000,000      
          gain on loan securitizations
        		               -365,000,000       -14,000,000 -6,000,000 0 -9,000,000 -48,000,000  22,000,000,000 -15,992,000,000 -8,000,000 -8,000,000,000      
          change in loans, net of loan securitizations
        		               -4,773,000,000 -10,579,000,000 521,000,000 -1,699,000,000 -1,351,000,000 -6,651,000,000 -6,651,000,000 446,000,000 -3,701,000,000 0 -4,654,000,000 -5,661,000,000 -2,895,329,000,000 3,177,000,000,000 -8,116,209,000,000 -3,791,000,000 -3,791,000,000,000 -1,251,000,000 -2,903,000,000 -2,038,000,000 937,000,000 937,000,000 
          proceeds from loan securitizations
        		               7,797,000,000 1,405,000,000 963,000,000 -259,000,000 -1,034,000,000 2,699,000,000 2,699,000,000 1,655,000,000 -744,000,000 0 1,381,000,000 1,297,000,000 746,113,000,000 -107,000,000,000 993,231,000,000 769,000,000 769,000,000,000 1,308,000,000 126,000,000    
          redemption of preferred shares for cancellation
        		                                11,000,000     
          purchase of common shares for cancellation
        		                -55,000,000 163,000,000 55,000,000 -115,000,000 -193,000,000 -193,000,000     -64,000,000  -35,000,000,000 -236,906,000,000 -94,000,000 -94,000,000,000 -556,000,000 -3,000,000 -244,000,000 -49,000,000 -49,000,000 
          amount of income taxes (recovery) paid in period
        		               -193,000,000                      
          business realignment payments
        		                -5,000,000 -3,000,000 2,000,000 11,000,000 -27,000,000 -27,000,000 -10,000,000 12,000,000 0 -32,000,000 -17,000,000           
          loss on loan securitizations
        		                -22,000,000    11,000,000                 
          net acquisitions of premises and equipment
        		                -267,000,000 -88,000,000 -58,000,000 55,000,000 -118,000,000 -118,000,000 -16,000,000 22,000,000 0 -94,000,000 -131,000,000 -94,925,000,000 15,000,000,000 -83,826,000,000 -174,000,000 -174,000,000,000 -311,000,000 -33,000,000 15,000,000 -69,000,000 -69,000,000 
          issue of rbc trust capital securities
        		                                     
          loss on sale of available-for-sale securities
        		                20,000,000                     
          dividends / distributions paid by subsidiaries to non-controlling interests
        		                -30,000,000                     
          loss on sale of investment account securities
        		                    -43,000,000                 
          change in investment securities
        		                                     
          net cash from investing activities from continuing operations
        		                 14,675,000,000 -1,871,000,000 -1,740,000,000 -12,272,000,000 -12,272,000,000 10,121,000,000               
          net cash from financing activities from continuing operations
        		                 -15,601,000,000 18,009,000,000 -8,882,000,000 15,992,000,000 15,992,000,000 -22,020,000,000               
          business realignment charges
        		                        0 -3,000,000 2,000,000           
          derivative-related assets
        		                 -5,643,000,000 9,008,000,000 -4,552,000,000 597,000,000 597,000,000 2,105,000,000 -2,750,000,000 0 488,000,000 1,889,000,000 -8,870,100,000,000 -26,000,000,000 4,211,983,000,000 -2,983,000,000 -2,983,000,000,000      
          derivative-related liabilities
        		                 7,488,000,000 -10,637,000,000 4,328,000,000 76,000,000 76,000,000 -961,000,000 1,181,000,000 0 -19,000,000 -834,000,000 9,428,667,000,000 -1,451,000,000,000 -3,350,159,000,000 3,159,000,000 3,159,000,000,000      
          trading account securities
        		                 1,081,000,000 -15,171,000,000 10,316,000,000 -5,791,000,000 -5,791,000,000 7,522,000,000 -13,177,000,000 0 -2,560,000,000 -10,992,000,000 3,155,155,000,000 6,339,000,000,000 -1,512,284,000,000 -8,716,000,000 -8,716,000,000,000      
          proceeds from sale of investment account securities
        		                 2,933,000,000 365,000,000 -1,222,000,000 3,678,000,000 3,678,000,000 2,261,000,000 -10,452,000,000 0 11,582,000,000            
          proceeds from maturity of investment account securities
        		                 -1,719,000,000 -2,029,000,000 1,936,000,000 7,043,000,000 7,043,000,000 2,485,000,000 -1,801,000,000 0 4,630,000,000            
          purchases of investment account securities
        		                 -3,676,000,000 5,341,000,000 -3,940,000,000 -8,415,000,000 -8,415,000,000 -636,000,000 11,246,000,000 0 -15,446,000,000            
          change in loan substitute securities
        		                  -2,000,000 9,000,000 1,000,000 1,000,000                
          net cash from (used) in acquisitions
        		                                     
          benefit from credit losses
        		                     47,000,000    116,000,000 108,000,000           
          (gain) loss on sale of premises and equipment
        		                     -5,000,000                
          (gain) loss on loan securitizations
        		                     11,000,000                
          (gain) loss on sale of investment account securities
        		                     -43,000,000                
          •
        		                                     
          net sales (purchases) of treasury shares
        		                          6,000,000           
          net sales of treasury shares
        		                   3,000,000 16,000,000 16,000,000  -98,000,000 0 109,000,000            
          royal bank of canada
        		                                     
          net cash (used in) operating activities from continuing operations
        		                    -4,062,000,000 -4,062,000,000                
          net cash (used in) operating activities
        		                    -4,049,000,000 -4,049,000,000                
          writedown of deferred issuance costs
        		                                     
          loss on investment in certain associated companies
        		                                     
          net cash from acquisition of subsidiaries
        		                            102,000,000,000 -111,558,000,000 558,000,000 558,000,000,000 -303,000,000   -194,000,000 -194,000,000 
          interest income
        		                                     
          loans
        		                                     
          securities
        		                                     
          deposits with banks
        		                                     
          interest expense
        		                                     
          other liabilities
        		                                     
          subordinated debentures
        		                                     
          net interest income
        		                                     
          non-interest income
        		                                     
          insurance premiums, investment and fee income
        		                                     
          trading revenue
        		                                     
          investment management and custodial fees
        		                                     
          securities brokerage commissions
        		                                     
          service charges
        		                                     
          underwriting and other advisory fees
        		                                     
          mutual fund revenue
        		                                     
          card service revenue
        		                                     
          foreign exchange revenue, other than trading
        		                                     
          securitization revenue
        		                                     
          credit fees
        		                                     
          gain on sale of investment account securities
        		                      73,000,000 -36,000,000 0 -23,000,000            
          total revenue
        		                                     
          insurance policyholder benefits, claims and acquisition expense
        		                                     
          non-interest expense
        		                                     
          human resources
        		                                     
          equipment
        		                                     
          occupancy
        		                                     
          communications
        		                                     
          professional fees
        		                                     
          outsourced item processing
        		                                     
          income from continuing operations before income taxes
        		                                     
          income taxes
        		                                     
          net income before non-controlling interest
        		                                     
          non-controlling interest in net income of subsidiaries
        		                                     
          net income from discontinued operations
        		                                     
          preferred dividends
        		                                     
          net gain on redemption of preferred shares
        		                                     
          net income available to common shareholders
        		                                     
          average number of common shares
        		                                     
          basic earnings per share
        		                                     
          basic earnings per share from continuing operations
        		                                     
          basic earnings per share from discontinued operations
        		                                     
          average number of diluted common shares
        		                                     
          diluted earnings per share
        		                            -10,000,000   1,190,000,000      
          diluted earnings per share from continuing operations
        		                                     
          diluted earnings per share from discontinued operations
        		                                     
          dividends per share
        		                                     
          adjustments to determine net cash (used in) from operating activities
        		                                     
          net cash (used in) from operating activities from continuing operations
        		                                     
          net cash (used in) from operating activities from discontinued operations
        		                                     
          net cash (used in) from acquisition of subsidiaries
        		                                     
          change in obligations related to assets sold under repurchase agreements and securities lent
        		                         -867,000,000 -8,505,000,000           
          equity
        		                         4,000,000            
          foreign exchange and commodity
        		                         2,000,000            
          interest rate
        		                         12,000,000            
          debt specific
        		                         2,000,000            
          global var
        		                         15,000,000            
          impairment of goodwill and amortization of other intangibles
        		                          16,000,000           
          writedown of deferred issuances costs
        		                              25,000,000 25,000,000,000      
          gain on sale of available for sale securities
        		                          -21,000,000           
          reinsurance recoverables
        		                          -14,000,000           
          proceeds from sale of available for sale securities
        		                          9,239,000,000  105,000,000,000 4,326,718,000,000 4,282,000,000 4,282,000,000,000 14,833,000,000 982,000,000 393,000,000 3,367,000,000 3,367,000,000 
          proceeds from maturity of available for sale securities
        		                          5,632,000,000  1,817,000,000,000 6,408,363,000,000 8,637,000,000 8,637,000,000,000 20,021,000,000 -215,000,000 167,000,000 5,465,000,000 5,465,000,000 
          purchases of available for sale securities
        		                          -12,363,000,000  -1,747,000,000,000 -9,630,537,000,000 -14,463,000,000 -14,463,000,000,000 -35,040,000,000 -6,352,000,000 2,909,000,000 -11,251,000,000 -11,251,000,000 
          change in deposits — canada
        		                          3,372,000,000      5,792,000,000 -617,000,000 7,581,000,000 -1,192,000,000 -1,192,000,000 
          change in deposits — international
        		                          5,404,000,000      2,650,000,000 3,849,000,000 -7,368,000,000 3,914,000,000 3,914,000,000 
          business realignment
        		                                     
          change in assets purchased under reverse repurchase agreements
        		                           3,126,801,000,000 3,774,000,000,000 -4,578,677,000,000 3,677,000,000 3,677,000,000,000 4,323,000,000 -5,568,000,000 2,830,000,000 -2,043,000,000 -2,043,000,000 
          change in deposits - canada
        		                                     
          change in deposits - international
        		                                     
          redemption of preferred stock for cancellation
        		                                     
          issue of common stock
        		                           15,987,000,000          
          purchase of common stock for cancellation
        		                           -288,728,000,000          
          net purchases of treasury stock
        		                                     
          change in obligations related to assets sold under repurchase agreements
        		                           -2,031,012,000,000 -7,353,000,000,000 5,368,374,000,000 -3,374,000,000 -3,374,000,000,000 141,000,000 3,768,000,000 -3,561,000,000 2,278,000,000 2,278,000,000 
          adjustments to determine net cash from operating activities provision for credit losses
        		                                     
          writedown of investments
        		                                     
          issue of rbc capital trust ii securities
        		                                     
          net sales (purchases) of treasury stock
        		                                     
          (gain) loss on sale of available for sale securities
        		                               -7,000,000,000      
          change in deposits – canada
        		                            -3,236,000,000,000 7,365,984,000,000 2,016,000,000 2,016,000,000,000      
          change in deposits – international
        		                            3,187,000,000,000 -1,117,139,000,000 3,139,000,000 3,139,000,000,000      
          net (purchases) sales of treasury stock
        		                                     
          as reported:
        		                                     
          earnings per share
        		                            -10,000,000   1,200,000,000      
          pro forma:
        		                                     
          benefit from (recovery of) credit losses
        		                                     
          payment of dividends
        		                             -308,691,000,000 -309,000,000 -309,000,000,000 -873,000,000 -18,000,000 -1,000,000 -289,000,000 -289,000,000 
          (recovery of) provision for credit losses
        		                              -28,000,000       
          loss on investments in associated corporations
        		                              24,000,000 24,000,000,000      
          loss on sale of available for sale securities
        		                              -7,000,000       
          net purchase of treasury stock
        		                              -127,000,000 -127,000,000,000      
          (recovery of) benefit from credit losses
        		                               -28,000,000,000      
          net proceeds from sale of real estate
        		                                     
          net proceeds from divestitures
        		                                     
          cash and due from banks at beginning of year
        		                                     
          cash and due from banks at end of year
        		                                     
          amount of interest paid in year
        		                                     
          amount of income taxes paid in year
        		                                     
          acquisition date
        		                                     
          business segment
        		                                     
          percentage of shares acquired
        		                                     
          purchase consideration
        		                                     
          fair value of tangible assets acquired
        		                                     
          fair value of liabilities assumed
        		                                     
          fair value of identifiable net tangible assets acquired
        		                                     
          core deposit intangibles
        		                                     
          value of business acquired
        		                                     
          goodwill
        		                                     
          total purchase consideration
        		                                     
          backstop liquidity facilities
        		                                     
          credit derivatives/written put options
        		                                     
          financial standby letters of credit
        		                                     
          credit enhancements
        		                                     
          performance guarantees
        		                                     
          mortgage loans sold with recourse
        		                                     
          business acquisitions
        		                                     
          standby letters of credit
        		                                     
          liquidity facilities
        		                                     
          credit derivatives
        		                                     
          written options
        		                                     
          restructuring charges
        		                                     
          amortization of goodwill and other intangibles
        		                                     
          gain from divestitures