Royal Bank of Canada(RY) - 2025 Q4 - Earnings Call Presentation

Financial Performance - Royal Bank of Canada (RBC) reported record results, driven by a 29% year-over-year increase in reported net income available to common shareholders[8, 16] - Adjusted net income increased by 25% year-over-year[8, 16] - Pre-Provision, Pre-Tax Earnings (PPPT) grew by 29% year-over-year[8, 16] - Revenue increased by 14% year-over-year to $17209 million[16] - All-bank operating leverage was 103%[8] - The all-bank efficiency ratio was 545%[8] Segment Performance - Personal Banking net income increased by 20% year-over-year[8, 16] - Commercial Banking net income increased by 5% year-over-year[8, 16] - Wealth Management net income increased by 33% year-over-year[8, 16] - Capital Markets net income increased by 45% year-over-year[8, 16] Capital and Dividends - The CET1 ratio was 135%, up 30 bps quarter-over-quarter[8, 20] - RBC repurchased 48 million shares for $987 million[8, 21] - The dividend increased by $010 or 6% quarter-over-quarter[8]