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[6-K] Royal Bank of Canada Current Report (Foreign Issuer)

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6-K
Rhea-AI Filing Summary

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.

Royal Bank of Canada (RY) dichiara saldi regolamentari o contrattuali obbligatori detenuti presso banche centrali, autorità di vigilanza e controparti per un totale di $2 miliardi alla data del 31 luglio 2025, lo stesso importo segnalato al 30 aprile 2025 e nelle date comparabili precedenti fino al 31 luglio 2024; l'unica data precedente mostrata, il 31 ottobre 2023, indicava $3 miliardi. Il documento illustra il metodo utilizzato per calcolare l'utile diluito per azione tramite il metodo del treasury stock e precisa che per i tre mesi conclusi il 31 luglio 2025 una media di 917.151 opzioni con prezzo medio di esercizio di $177.97 è stata esclusa dall'EPS diluito perché il prezzo di esercizio superava il prezzo medio di mercato. La pratica include inoltre la traduzione del nome della società registrata e parte della modulistica amministrativa.

Royal Bank of Canada (RY) informa saldos reglamentarios o contractuales mantenidos con bancos centrales, reguladores y contrapartes por un total de $2.000 millones al 31 de julio de 2025, la misma cifra reportada el 30 de abril de 2025 y en fechas comparables anteriores hasta el 31 de julio de 2024; la única fecha anterior mostrada, el 31 de octubre de 2023, reportó $3.000 millones. La presentación explica su método para calcular las ganancias diluidas por acción usando el método del treasury stock y señala que para los tres meses terminados el 31 de julio de 2025 un promedio de 917.151 opciones con un precio medio de ejercicio de $177.97 fueron excluidas del EPS diluido porque su precio de ejercicio superaba el precio medio de mercado. El informe incluye la traducción del nombre del registrante y parte del formulario administrativo.

Royal Bank of Canada (RY)는 2025년 7월 31일 기준 중앙은행, 감독기관 및 거래상대방과 보유한 규제상 또는 계약상 의무 잔액이 총 $20억이라고 공시했으며, 같은 금액이 2025년 4월 30일 및 2024년 7월 31일까지의 비교일에도 보고되어 있습니다; 유일한 과거 표시일인 2023년 10월 31일에는 $30억으로 보고되었습니다. 제출서류는 희석 주당순이익 계산에 자기주식법(treasury stock method)을 사용한 방식을 설명하고, 2025년 7월 31일로 끝나는 3개월 동안 평균 행사가격이 $177.97인 평균 917,151건의 옵션이 행사가격이 평균 시장가격을 초과하여 희석 EPS에서 제외되었음을 밝힙니다. 서류에는 등록명 번역과 일부 행정서식 언어도 포함되어 있습니다.

Royal Bank of Canada (RY) déclare des soldes réglementaires ou contractuels détenus auprès des banques centrales, des autorités de régulation et des contreparties pour un total de 2 milliards de $ au 31 juillet 2025, le même montant étant déclaré au 30 avril 2025 et aux dates comparables antérieures jusqu'au 31 juillet 2024 ; la seule date antérieure affichée, le 31 octobre 2023, indiquait 3 milliards de $. le dossier explique sa méthode de calcul du bénéfice dilué par action en utilisant la méthode du treasury stock et précise que pour les trois mois clos le 31 juillet 2025 une moyenne de 917 151 options au prix moyen d'exercice de 177,97 $ ont été exclues du BPA dilué car leur prix d'exercice dépassait le prix moyen du marché. Le dépôt inclut également la traduction du nom de l'entité enregistrée et une partie du libellé administratif du formulaire.

Royal Bank of Canada (RY) legt per 31. Juli 2025 regulatorisch oder vertraglich vorgeschriebene Guthaben bei Zentralbanken, Aufsichtsbehörden und Kontrahenten in Höhe von insgesamt $2 Mrd. offen, derselbe Betrag wurde bereits zum 30. April 2025 und an vergleichbaren Vorstichtagen bis zum 31. Juli 2024 berichtet; der einzige früher angegebene Stichtag, der 31. Oktober 2023, wies $3 Mrd. aus. Die Einreichung erläutert die Berechnung des verwässerten Ergebnisses je Aktie nach der Treasury-Stock-Methode und stellt fest, dass für die drei Monate zum 31. Juli 2025 im Durchschnitt 917.151 Optionen mit einem durchschnittlichen Ausübungspreis von $177.97 vom verwässerten EPS ausgeschlossen wurden, da ihr Ausübungspreis über dem durchschnittlichen Marktpreis lag. Die Unterlage enthält zudem die Übersetzung des Firmennamens des Registranten und Teile des administrativen Formulartexts.

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Insights

TL;DR: Routine disclosure of regulatory balances and option dilutive treatment; no earnings figures provided.

The disclosure confirms stable mandated balances of $2 billion across recent reporting dates, except for a $3 billion balance reported on October 31, 2023. That suggests consistency in the level of restricted balances but no commentary on reasons for the earlier higher amount is provided. The EPS note clarifies that 917,151 options were excluded from diluted EPS for the quarter ended July 31, 2025 because their exercise price ($177.97) exceeded average market price; comparable exclusions were not recorded in the prior-year quarter. This is a technical, non-operational disclosure that affects diluted share count mechanics but does not present income, revenue, or performance metrics in this excerpt.

TL;DR: Filing provides required transparency on restricted balances and option accounting treatment; no governance changes disclosed.

The filing appropriately documents contractual or regulatory restrictions that require held balances and provides the company name translation and portions of form certification language. The options disclosure follows standard treasury stock method practice by excluding out-of-the-money options from diluted EPS calculations. There are no statements here about executive compensation, director changes, or governance actions; the content is procedural and compliant rather than material governance news.

Royal Bank of Canada (RY) dichiara saldi regolamentari o contrattuali obbligatori detenuti presso banche centrali, autorità di vigilanza e controparti per un totale di $2 miliardi alla data del 31 luglio 2025, lo stesso importo segnalato al 30 aprile 2025 e nelle date comparabili precedenti fino al 31 luglio 2024; l'unica data precedente mostrata, il 31 ottobre 2023, indicava $3 miliardi. Il documento illustra il metodo utilizzato per calcolare l'utile diluito per azione tramite il metodo del treasury stock e precisa che per i tre mesi conclusi il 31 luglio 2025 una media di 917.151 opzioni con prezzo medio di esercizio di $177.97 è stata esclusa dall'EPS diluito perché il prezzo di esercizio superava il prezzo medio di mercato. La pratica include inoltre la traduzione del nome della società registrata e parte della modulistica amministrativa.

Royal Bank of Canada (RY) informa saldos reglamentarios o contractuales mantenidos con bancos centrales, reguladores y contrapartes por un total de $2.000 millones al 31 de julio de 2025, la misma cifra reportada el 30 de abril de 2025 y en fechas comparables anteriores hasta el 31 de julio de 2024; la única fecha anterior mostrada, el 31 de octubre de 2023, reportó $3.000 millones. La presentación explica su método para calcular las ganancias diluidas por acción usando el método del treasury stock y señala que para los tres meses terminados el 31 de julio de 2025 un promedio de 917.151 opciones con un precio medio de ejercicio de $177.97 fueron excluidas del EPS diluido porque su precio de ejercicio superaba el precio medio de mercado. El informe incluye la traducción del nombre del registrante y parte del formulario administrativo.

Royal Bank of Canada (RY)는 2025년 7월 31일 기준 중앙은행, 감독기관 및 거래상대방과 보유한 규제상 또는 계약상 의무 잔액이 총 $20억이라고 공시했으며, 같은 금액이 2025년 4월 30일 및 2024년 7월 31일까지의 비교일에도 보고되어 있습니다; 유일한 과거 표시일인 2023년 10월 31일에는 $30억으로 보고되었습니다. 제출서류는 희석 주당순이익 계산에 자기주식법(treasury stock method)을 사용한 방식을 설명하고, 2025년 7월 31일로 끝나는 3개월 동안 평균 행사가격이 $177.97인 평균 917,151건의 옵션이 행사가격이 평균 시장가격을 초과하여 희석 EPS에서 제외되었음을 밝힙니다. 서류에는 등록명 번역과 일부 행정서식 언어도 포함되어 있습니다.

Royal Bank of Canada (RY) déclare des soldes réglementaires ou contractuels détenus auprès des banques centrales, des autorités de régulation et des contreparties pour un total de 2 milliards de $ au 31 juillet 2025, le même montant étant déclaré au 30 avril 2025 et aux dates comparables antérieures jusqu'au 31 juillet 2024 ; la seule date antérieure affichée, le 31 octobre 2023, indiquait 3 milliards de $. le dossier explique sa méthode de calcul du bénéfice dilué par action en utilisant la méthode du treasury stock et précise que pour les trois mois clos le 31 juillet 2025 une moyenne de 917 151 options au prix moyen d'exercice de 177,97 $ ont été exclues du BPA dilué car leur prix d'exercice dépassait le prix moyen du marché. Le dépôt inclut également la traduction du nom de l'entité enregistrée et une partie du libellé administratif du formulaire.

Royal Bank of Canada (RY) legt per 31. Juli 2025 regulatorisch oder vertraglich vorgeschriebene Guthaben bei Zentralbanken, Aufsichtsbehörden und Kontrahenten in Höhe von insgesamt $2 Mrd. offen, derselbe Betrag wurde bereits zum 30. April 2025 und an vergleichbaren Vorstichtagen bis zum 31. Juli 2024 berichtet; der einzige früher angegebene Stichtag, der 31. Oktober 2023, wies $3 Mrd. aus. Die Einreichung erläutert die Berechnung des verwässerten Ergebnisses je Aktie nach der Treasury-Stock-Methode und stellt fest, dass für die drei Monate zum 31. Juli 2025 im Durchschnitt 917.151 Optionen mit einem durchschnittlichen Ausübungspreis von $177.97 vom verwässerten EPS ausgeschlossen wurden, da ihr Ausübungspreis über dem durchschnittlichen Marktpreis lag. Die Unterlage enthält zudem die Übersetzung des Firmennamens des Registranten und Teile des administrativen Formulartexts.

false2025-07-31Q30001000275--10-31We are required to maintain balances due to regulatory requirements or contractual restrictions from central banks, other regulatory authorities, and other counterparties. The total balances were $2 billion as at July 31, 2025 (April 30, 2025 – $2 billion; October 31, 2024 – $2 billion; July 31, 2024 – $2 billion; April 30, 2024 – $2 billion; October 31, 2023 – $3 billion).The dilutive effect of stock options was calculated using the treasury stock method. When the exercise price of options outstanding is greater than the average market price of our common shares, the options are excluded from the calculation of diluted earnings per share. For the three months ended July 31, 2025, an average of 917,151 outstanding options with an average exercise price of $177.97 were excluded from the calculation of diluted earnings per share. For the three months ended July 31, 2024, no outstanding options were excluded from the calculation of diluted earnings per share. 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Table of Contents
 
 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
 
FORM
6-K
 
 
Report of Foreign Private Issuer
Pursuant to Rule
13a-16
or
15d-16
under the Securities Exchange Act of 1934
For the month of August 2025
Commission File Number:
001-13928
 
 
Royal Bank of Canada
(Translation of registrant’s name into English)
 
 
 
200 Bay Street    1 Place Ville Marie
Royal Bank Plaza    Montreal, Quebec
Toronto, Ontario    Canada H3B 3A9
Canada M5J 2J5    Attention: Vice President,
Attention: Vice President,    Associate General Counsel
Associate General Counsel    & Corporate Secretary
& Corporate Secretary   
(Address of principal executive offices)
 
 
Indicate by check mark whether the registrant files or will file annual reports under cover of Form
20-F
or Form
40-F.
Form
20-F 
☐
   Form
40-F 
☒
This report on Form
6-K,
management’s discussion and analysis and unaudited interim condensed consolidated financial statements included in exhibit 99.2, and exhibit 99.3 hereto are incorporated by reference as exhibits into the Registration Statement on Form
F-3
(File
No. 333-275898)
and the Registration Statements on Form
S-8
(File Nos.
333-12036,
333-12050,
333-13052,
333-13112,
333-117922,
333-207754,
333-207750,
333-207748,
333-252536,
333-268715,
333-287828
and
333-287969).
 
 
 
Table of Contents
Signature
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
 
 
 
ROYAL BANK OF CANADA
Date: August 27, 2025
 
 
By:
 
/s/ Katherine Gibson
 
 
Name:
 
Katherine Gibson
 
 
Title:
 
Chief Financial Officer
Table of Contents
EXHIBIT INDEX
 
Exhibit
  
Description of Exhibit
99.1
  
Third Quarter 2025 Earnings Release
99.2
  
Third Quarter 2025 Report to Shareholders (which includes management’s discussion and analysis and unaudited interim condensed consolidated financial statements)
99.3
  
Return on Equity and Assets Ratios
  
Rule
 
13a-14(a)/15d-14(a)
 
Certifications
31.1
  
- Certification of the Registrant’s Chief Executive Officer
31.2
  
- Certification of the Registrant’s Chief Financial Officer
101
  
Interactive Data File (formatted as Inline XBRL)
104
  
Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101)
Table of Contents

Source: View Original Filing on SEC EDGAR

FAQ

What restricted balances does Royal Bank of Canada (RY) report?

The filing reports required balances of $2 billion as of July 31, 2025 (also $2 billion on April 30, 2025; July 31, 2024; April 30, 2024; October 31, 2024) and $3 billion on October 31, 2023.

How were stock options treated in diluted EPS for the quarter ended July 31, 2025 for RY?

An average of 917,151 outstanding options with an average exercise price of $177.97 were excluded from diluted EPS because their exercise price exceeded the average market price.

Were any options excluded from diluted EPS in the three months ended July 31, 2024?

No. For the three months ended July 31, 2024, no outstanding options were excluded from the calculation of diluted earnings per share.

Does the excerpt include revenue or net income figures for RY?

No. The provided content contains balance and option accounting disclosures but does not include revenue, net income, or other earnings figures.

Does the document explain why the October 31, 2023 balance was $3 billion?

No. The filing shows the October 31, 2023 balance as $3 billion but does not provide an explanation for the higher amount in this excerpt.
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NYSE:RY

RY Rankings

#58 Ranked by Market Cap
#845 Ranked by Dividends

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RY Latest SEC Filings

Aug 22, 2025
[424B8] Royal Bank of Canada SEC Filing
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[6-K] Royal Bank of Canada Current Report (Foreign Issuer)
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[424B2] Royal Bank of Canada Prospectus Supplement
Jul 15, 2025
[424B2] Royal Bank of Canada Prospectus Supplement

RY Stock Data

204.86B
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0.04%
48.84%
0.69%
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