RBC Bank Earnings Reports
Get access to the key financial metrics that industry professionals need to know from RBC’s quarterly earnings reports. WOWA Data Labs has gathered time series for bank balance sheets and the performance of Canadian banks.
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RBC, Canada's largest bank by total assets, has seen its total assets increase significantly over the past few decades. Since 1996, RBC's total assets have grown from $191.5 billion to $2.3 trillion by the end of October 2025, growing almost 11 times.
Although RBC has had an early lead, TD has been closing the gap in recent years with particularly accelerated growth post-2010, increasing its total assets by over 19-fold over the same period to $2.1 trillion as of end of October 2025. However, TD's growth has been chiefly in the US, where recently it has received significant reputational and financial blows, while RBC has grown in the much safer Canadian market.
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Note: RBC adopted IFRS 17 effective November 1, 2023, with restated numbers shown up to Q1 2023. Results prior to Q1 2023 are based on IFRS 4.
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Main asset categories of each bank include loans, securities, and cash and cash equivalents. RBC's total loans have grown steadily since 1996, while its securities accelerated growth was mostly in 2023.
Cash and cash equivalents spiked in 2020, showing a need for liquidity during the uncertainty surrounding the pandemic, although it has steadily declined since then. The significant loan growth throughout these periods shows that lending remains a primary focus of RBC, contributing the majority of its total assets.
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This chart provides a proportional breakdown of RBC’s total assets across its four key categories over time. In recent periods, loans account for about 58%-60% of RBC’s total assets, while securities make up 22-25%, other assets 10%-13%, and cash 4%-7%. Cash holdings spiked during the pandemic as RBC increased liquidity, while other assets rose sharply in 2011, reducing the proportional weight of loans and securities. Despite these shifts, the overall mix has remained relatively stable, with loans continuing to dominate RBC’s balance sheet.
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RBC’s recent credit risk data shows a clear shift as economic conditions evolve. Net write-offs, which had declined after 2020, have risen again through late 2024 and into 2025, reaching $1,098 million in Q4 2025. Provision for Credit Losses (PCL), and Allowance for Credit Losses (ACL) has grown steadily to $7,470 million, reflecting RBC’s more cautious stance. The combined rise in write-offs, higher PCLs, and a larger ACL signals building credit pressure and a deliberate strengthening of reserves as borrowers face tighter financial conditions.
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Loans in Canada continue to form the bulk of RBC’s loan portfolio, rising from $414.4 billion in Q4 2015 to $782 billion in Q4 2025. This steady growth underscores RBC’s dominant domestic presence, with a significant boost in 2024 following the integration of HSBC Bank Canada’s lending book.
Loans in the United States reached $201 billion in Q4 2025, remaining near their recent peak. Loans in other countries still represent a smaller share of the portfolio but have expanded meaningfully over the past decade, increasing to $66.5 billion as RBC grows its international footprint.
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Total residential mortgages have grown from $234 billion in Q4 2015 to $493 billion in Q4 2025, increasing more than twofold over the decade. The sharp rise in 2024 is visible in the data and reflects the addition of HSBC Bank Canada’s mortgage portfolio following the acquisition. Business and government lending also expanded substantially, rising from $144 billion in Q4 2015 to $414 billion in Q4 2025, nearly tripling over ten years.
Home Equity Lines of Credit (HELOC) balances declined over the same period, falling from $45.5 billion in Q4 2015 to $40.8 billion in Q4 2025. Regulatory measures, including the introduction of the mortgage stress test and higher capital requirements under Basel III, have contributed to reduced borrower demand and tighter lender appetite for HELOC products. While TD, BMO, and Scotiabank expanded their HELOC portfolios, RBC’s continued decline suggests a deliberate strategic choice by management.
Credit card balances saw steady growth, increasing from $15.9 billion in Q4 2015 to $26.8 billion in Q4 2025, reflecting stronger consumer spending and the effects of inflation and population growth after 2021. Other personal loans also rose, climbing from $48.9 billion in Q4 2015 to $74.5 billion in Q4 2025, continuing RBC’s broad expansion across household lending categories.
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Deposits in Canada remain the largest portion of RBC’s overall deposit base, increasing from $550 billion in Q4 2015 to $1.17 trillion in Q4 2025. U.S. deposits have moved lower since mid-2022, settling at $225.4 billion in Q4 2025. Despite these regional shifts, RBC’s total deposits have continued to rise overall, growing from $697 billion in Q4 2015 to $1.52 trillion in Q4 2025, reinforcing RBC’s position as the largest deposit-taking institution among Canada’s banks.
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RBC's upcoming earnings report for Q1 2026 is scheduled to be released on February 26, 2026, before the market opens.
Data Packages for Financial Institutions!
Plans starting from $500 per month
If you're interested in learning more about our pricing plans and how WOWA Data Labs can meet your specific data needs, use the form below to get in touch with us.
Disclaimer:
- Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
- The calculators and content on this page are for general information only. WOWA does not guarantee the accuracy and is not responsible for any consequences of using the calculator.
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- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.