Royal Bk Can SEC Filings

Royal Bank of Canada describes several risk and capital management items. For its unconsolidated structured entities, total assets of these vehicles represent the maximum assets that may need to be purchased under outstanding purchase commitments, and the bank notes that its maximum exposure to loss largely comes from investments, loans, derivatives, and liquidity and credit enhancement facilities.

The bank reports that balances it must maintain due to regulatory or contractual requirements with central banks and other counterparties were $3 billion as at October 31, 2025, compared with $2 billion a year earlier and $3 billion two years earlier. It also details subordinated notes that qualify as Tier 2 capital because they include non‑viability contingent capital provisions, which force conversion into common shares if regulators deem the bank non‑viable or a qualifying government capital injection occurs.

RBC also redeemed $1,500 million of 2.88% subordinated debentures due 2029 on December 23, 2024 and $1,250 million of 2.088% subordinated debentures due 2030 on June 30, 2025, paying 100% of principal plus accrued interest. The bank outlines that several outstanding notes pay interest at a stated rate until their earliest par value redemption date and then reset to margins above Daily Compounded CORRA or the Tokyo Overnight Average Rate mid‑swap rate.

Royal Bank of Canada filed a Form 13F-HR holdings report. The filing lists a Form 13F Information Table Value Total of $610,244,854,000 across a Form 13F Information Table Entry Total of 27,742. The report identifies Number of Other Included Managers: 19 and is marked as a 13F HOLDINGS REPORT. The report was signed by Terry Fallon, MD, Head of Regulatory Services.

Royal Bank of Canada filed a Form 6-K noting the issuance of Senior Global Medium-Term Notes, Series J, under its shelf registration on Form F-3. The filing primarily provides supporting legal and tax opinions: U.S. counsel Sullivan & Cromwell LLP opined on validity and U.S. federal income tax matters, while Norton Rose Fulbright Canada LLP addressed Canadian, Ontario and Québec law and Canadian federal income tax matters. Consents for these opinions are included. The report is signed by Executive Vice-President and Treasurer Jason Drysdale.

Royal Bank of Canada (RY) discloses required regulatory or contractual balances held with central banks, regulators and counterparties totaling $2 billion as of July 31, 2025, with the same amount reported on April 30, 2025 and in prior comparable dates back to July 31, 2024; the only earlier date shown, October 31, 2023, reported $3 billion. The filing explains its method for computing diluted earnings per share using the treasury stock method and states that for the three months ended July 31, 2025 an average of 917,151 options with an average exercise price of $177.97 were excluded from diluted EPS because their exercise price exceeded the average market price. The filing includes translation of the registrant name and partial administrative form language.

Structure and payoffs: These are senior unsecured, non-interest-paying Capped Enhanced Return Buffer Notes linked to a basket of five underliers maturing August 24, 2028. If the basket finishes above its initial value, investors receive 150% of the basket return up to a Maximum Return of 38.40%. If the basket finishes between 95% and 100% of its initial value (the Buffer Value of 95%), investors receive full principal. If the Final Basket Value is below the Buffer Value, investors lose 1% of principal for each 1% decline beyond the 5% buffer. The Notes are not listed, carry issuer credit risk, and do not pay periodic interest.

Other risks: initial estimated value is below the public offering price; U.S. tax treatment is uncertain; liquidity may be limited; Calculation Agent conflicts and fund/index, currency, emerging-market, and mid-/small-cap risks apply (MDY, RTY, EFA, EEM).

Royal Bank of Canada filed a Form 13F holdings report for the quarter ended 06-30-2025, reporting $554,862,076,000 in equity holdings across 28,572 information-table entries. The filing is marked as a 13F holdings report (indicating all holdings are reported) and lists 19 other included managers. The report is signed by Terry Fallon, MD, Head of Regulatory Services.