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Royal Bank of Canada Balance Sheet 2025-2011 | RY
Brief balance sheet overview of Royal Bank of Canada
The review uses the five latest available annual reports between 2021 and 2025.
Over the period, assets gained +36.3%, moving from 1.7 trillion CAD to 2.3 trillion CAD. CAGR near 8% shows consistent growth.
Liabilities followed the scale of the balance sheet: +36% versus +36.3% for assets. Leverage did not change materially.
For a financial business, a high liability share is part of the operating model, so capital is the key reference point: equity equals 6% of assets versus 5.8% initially.
Retained earnings are 96.9 billion CAD versus 71.8 billion CAD initially. The direction shows how results contributed to equity.
Conclusion
Taken together, the figures indicate acceptable resilience for Royal Bank of Canada. The next assessment depends on debt and equity trends.
Annual Balance Sheet Royal Bank of Canada
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | - | - | - | - | -145 B | -54.8 B | 37.1 B | 38.9 B | 51.8 B | 29 B | 29.8 B | 21.2 B | -15.3 B | -17.5 B |
Long Term Debt |
- | - | - | - | - | 9.87 B | 9.82 B | 9.13 B | 9.26 B | 9.76 B | 7.36 B | 7.86 B | 7.44 B | 7.62 B | 7.75 B |
Total Non Current Liabilities |
- | - | - | - | - | - | 9.82 B | 9.13 B | 9.26 B | 9.76 B | 7.36 B | 7.86 B | 8.34 B | 8.52 B | - |
Total Liabilities |
2.19 T | 2.04 T | 1.89 T | 1.81 T | 1.61 T | 1.54 T | 1.35 T | 1.25 T | 1.14 T | 1.11 T | 1.01 T | 886 B | 810 B | 779 B | 708 B |
Retained Earnings |
96.9 B | 88.6 B | 81.7 B | 78 B | 71.8 B | 59.8 B | 56 B | 51.1 B | 45.4 B | 41.5 B | 37.8 B | 31.6 B | 28.3 B | 24.3 B | 24.3 B |
Total Assets |
2.33 T | 2.17 T | 2.01 T | 1.92 T | 1.71 T | 1.62 T | 1.43 T | 1.33 T | 1.21 T | 1.18 T | 1.07 T | 941 B | 861 B | 825 B | 752 B |
Cash and Cash Equivalents |
37 B | 56.7 B | 62 B | 72.4 B | 114 B | 119 B | 26.3 B | 30.2 B | 28.4 B | - | - | - | - | - | - |
Book Value |
139 B | 127 B | 115 B | 108 B | 98.8 B | 86.8 B | 83.6 B | 80 B | 74.4 B | 71.6 B | 63.9 B | 54.5 B | 50.3 B | 46 B | 43.6 B |
Total Shareholders Equity |
139 B | 127 B | 115 B | 108 B | 98.8 B | 86.8 B | 83.6 B | 80 B | 74.4 B | - | - | - | - | - | - |
All numbers in CAD currency
Quarterly Balance Sheet Royal Bank of Canada
| 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Liabilities |
2.2 T | 2.19 T | 2.09 T | 2.11 T | 2.06 T | 2.04 T | 1.95 T | 1.91 T | 1.86 T | 1.89 T | 1.85 T | 1.83 T | 1.83 T | 1.65 T | - | - | 1.74 T | 1.58 T | 1.61 T | 1.6 T | 1.52 T | 1.39 T | 1.54 T | 1.6 T | 1.59 T | 1.29 T | 1.35 T | 1.32 T | 1.3 T | - | 1.25 T | - | - | - | 1.14 T | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
99.3 B | 96.9 B | 95 B | 93 B | 90.8 B | 88.6 B | 86.1 B | 83.8 B | 82 B | 81.7 B | 82 B | 80.3 B | 78.4 B | 73.5 B | - | - | 75.9 B | 62.8 B | 71.8 B | 69 B | 66.2 B | 56.3 B | 59.8 B | 57.8 B | 57.5 B | 52.2 B | 56 B | 54.7 B | 53.6 B | - | 51.1 B | - | - | - | 45.4 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
2.34 T | 2.33 T | 2.23 T | 2.24 T | 2.19 T | 2.17 T | 2.08 T | 2.03 T | 1.97 T | 2.01 T | 1.96 T | 1.94 T | 1.93 T | 1.75 T | - | - | 1.85 T | 1.67 T | 1.71 T | 1.69 T | 1.62 T | 1.48 T | 1.62 T | 1.68 T | 1.68 T | 1.37 T | 1.43 T | 1.41 T | 1.38 T | - | 1.33 T | - | - | - | 1.21 T | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
46.2 B | 37 B | 34.9 B | 48.6 B | 71.2 B | 56.7 B | 55.2 B | 61.4 B | 74.3 B | 62 B | 80.4 B | 99.2 B | 86.3 B | 131 B | - | - | 116 B | 150 B | 114 B | 115 B | 114 B | 34.1 B | 119 B | 119 B | 98.8 B | 40 B | 26.3 B | 26.9 B | 33 B | 34.5 B | 30.2 B | 32 B | 32.8 B | - | 28.4 B | - | - | - | 14.9 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
140 B | 139 B | 136 B | 133 B | 133 B | 127 B | 124 B | 122 B | 116 B | 115 B | 112 B | 111 B | 108 B | 102 B | - | - | 104 B | 90.2 B | 98.8 B | 96.3 B | 92.8 B | 84.1 B | 86.8 B | 86.4 B | 85 B | 80.6 B | 83.6 B | 82.4 B | 81.9 B | - | 80 B | - | - | - | 74.4 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
140 B | 139 B | 136 B | 133 B | 133 B | 127 B | 124 B | 122 B | 116 B | 115 B | 112 B | 111 B | 108 B | 102 B | - | - | 104 B | 90.2 B | 98.8 B | 96.3 B | 92.8 B | 84.1 B | 86.8 B | 86.4 B | 85 B | 80.6 B | 83.5 B | 82.4 B | 81.9 B | 73.3 B | 79.9 B | 77.9 B | 76 B | - | 73.8 B | - | - | - | 71.6 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in CAD currency
Balance Sheet is a fundamental financial report of Royal Bank of Canada, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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