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As Of Filer Filing For·On·As Docs:Size Issuer Filing Agent 11/30/23 Royal Bank of Canada 40-F 10/31/23 255:79M Donnelley … Solutions/FA |
Document/Exhibit Description Pages Size
1: 40-F Annual Report by a Canadian Issuer HTML 2.28M
2: EX-1 EX-1 Annual Information Form HTML 535K
3: EX-2 EX-2 Financial Review HTML 16.38M
4: EX-3 EX-3 Consent of Independent Registered Public HTML 80K
Accounting Firm
5: EX-4 EX-4 Code of Conduct HTML 231K
6: EX-5 EX-5 Return on Equity and Assets Ratios HTML 81K
11: EX-97 Clawback Policy re: Recovery of Erroneously HTML 91K
Awarded Compensation
7: EX-31.1 EX-31.1 Rule 13A-14(A)/15D-14(A) CFO Certification HTML 84K
8: EX-31.2 EX-31.2 Rule 13A-14(A)/15D-14(A) CFO Certification HTML 84K
9: EX-32.1 EX-32.1 Section 1350 CEO Certification HTML 80K
10: EX-32.2 EX-32.2 Section 1350 CFO Certification HTML 80K
17: R1 Cover Page HTML 146K
18: R2 Consolidated Balance Sheets HTML 185K
19: R3 Consolidated Statements of Income HTML 184K
20: R4 Consolidated Statements of Comprehensive Income HTML 153K
21: R5 Consolidated Statements of Comprehensive Income HTML 81K
(Parenthetical)
22: R6 Consolidated Statements of Changes in Equity HTML 123K
23: R7 Consolidated Statements of Cash Flows HTML 199K
24: R8 Consolidated Statements of Cash Flows HTML 82K
(Parenthetical)
25: R9 IFRS 7 Disclosure HTML 423K
26: R10 General information HTML 84K
27: R11 Summary of significant accounting policies, HTML 272K
estimates and judgments
28: R12 Fair value of financial instruments HTML 1.37M
29: R13 Securities HTML 747K
30: R14 Loans and allowance for credit losses HTML 879K
31: R15 Significant acquisitions and disposition HTML 88K
32: R16 Derecognition of financial assets HTML 122K
33: R17 Structured entities HTML 214K
34: R18 Derivative financial instruments and hedging HTML 865K
activities
35: R19 Premises and equipment HTML 257K
36: R20 Goodwill and other intangible assets HTML 316K
37: R21 Joint ventures and associated companies HTML 95K
38: R22 Other assets HTML 107K
39: R23 Deposits HTML 184K
40: R24 Insurance HTML 192K
41: R25 Segregated funds HTML 103K
42: R26 Employee benefits - Pension and other HTML 389K
post-employment benefits
43: R27 Other liabilities HTML 109K
44: R28 Subordinated debentures HTML 131K
45: R29 Equity HTML 272K
46: R30 Share-based compensation HTML 203K
47: R31 Income taxes HTML 257K
48: R32 Earnings per share HTML 103K
49: R33 Guarantees, commitments, pledged assets and HTML 146K
contingencies
50: R34 Legal and regulatory matters HTML 96K
51: R35 Related party transactions HTML 120K
52: R36 Results by business segment HTML 256K
53: R37 Nature and extent of risks arising from financial HTML 165K
instruments
54: R38 Capital management HTML 111K
55: R39 Offsetting financial assets and financial HTML 181K
liabilities
56: R40 Recovery and settlement of on-balance sheet assets HTML 187K
and liabilities
57: R41 Parent company information HTML 183K
58: R42 Principal subsidiaries HTML 123K
59: R43 Summary of significant accounting policies, HTML 349K
estimates and judgments (Policies)
60: R44 IFRS 7 Disclosure (Tables) HTML 333K
61: R45 Summary of significant accounting policies, HTML 101K
estimates and judgments (Tables)
62: R46 Fair value of financial instruments (Tables) HTML 1.33M
63: R47 Securities (Tables) HTML 749K
64: R48 Loans and allowance for credit losses (Tables) HTML 860K
65: R49 Derecognition of financial assets (Tables) HTML 114K
66: R50 Structured entities (Tables) HTML 173K
67: R51 Derivative financial instruments and hedging HTML 852K
activities (Tables)
68: R52 Premises and equipment (Tables) HTML 255K
69: R53 Goodwill and other intangible assets (Tables) HTML 312K
70: R54 Joint ventures and associated companies (Tables) HTML 95K
71: R55 Other assets (Tables) HTML 106K
72: R56 Deposits (Tables) HTML 186K
73: R57 Insurance (Tables) HTML 192K
74: R58 Segregated funds (Tables) HTML 103K
75: R59 Employee benefits - Pension and other HTML 387K
post-employment benefits (Tables)
76: R60 Other liabilities (Tables) HTML 108K
77: R61 Subordinated debentures (Tables) HTML 132K
78: R62 Equity (Tables) HTML 267K
79: R63 Share-based compensation (Tables) HTML 204K
80: R64 Income taxes (Tables) HTML 252K
81: R65 Earnings per share (Tables) HTML 102K
82: R66 Guarantees, commitments, pledged assets and HTML 128K
contingencies (Tables)
83: R67 Related party transactions (Tables) HTML 118K
84: R68 Results by business segment (Tables) HTML 244K
85: R69 Nature and extent of risks arising from financial HTML 162K
instruments (Tables)
86: R70 Capital management (Tables) HTML 108K
87: R71 Offsetting financial assets and financial HTML 276K
liabilities (Tables)
88: R72 Recovery and settlement of on-balance sheet assets HTML 185K
and liabilities (Tables)
89: R73 Parent company information (Tables) HTML 183K
90: R74 Principal subsidiaries (Tables) HTML 122K
91: R75 IFRS 7 Disclosure - Wholesale Credit Risk - HTML 237K
Rankings of 22 Grade Internal Risk Ratings with
Ratings Used by S&P and Moody's (Detail)
92: R76 IFRS 7 Disclosure - Retail Credit Risk - Summary HTML 96K
of PD Bands to Various Risk Levels (Detail)
93: R77 IFRS 7 Disclosure - Market Risk - Summary of HTML 120K
Market Risk VaR and Market Risk SVaR (Detail)
94: R78 IFRS 7 Disclosure - Market Risk - Summary of HTML 87K
Market Risk VaR and Market Risk SVaR
(Parenthetical) (Detail)
95: R79 IFRS 7 Disclosure - Market Risk - Summary of HTML 101K
Market Risk Structural Interest Rate Sensitivities
Measures (Detail)
96: R80 IFRS 7 Disclosure - Liquidity and Funding Risk - HTML 88K
Long-Term Funding Sources (Detail)
97: R81 IFRS 7 Disclosure - Liquidity and Funding Risk - HTML 159K
Summary of Contractual Maturities of Financial
Liabilities and Off-Balance Sheet Items -
Undiscounted Basis (Detail)
98: R82 Summary of significant accounting policies, HTML 119K
estimates and judgments - Additional Information
(Detail)
99: R83 Summary of significant accounting policies, HTML 88K
estimates and judgments - Summary of Bank's
Significant Exposures to Financial Instruments
(Detail)
100: R84 Summary of significant accounting policies, HTML 83K
estimates and judgments - Summary of Undrawn
Balances of Loan Commitments (Detail)
101: R85 Fair value of financial instruments - Summary of HTML 190K
Comparison of Carrying and Fair Values for Each
Classification of Financial Instrument (Detail)
102: R86 Fair value of financial instruments - Additional HTML 130K
Information (Detail)
103: R87 Fair value of financial instruments - Summary of HTML 115K
Liabilities Designated as at Fair Value Through
Profit or Loss (Detail)
104: R88 Fair value of financial instruments - Summary of HTML 90K
Liabilities Designated as at Fair Value Through
Profit or Loss (Parenthetical) (Detail)
105: R89 Fair value of financial instruments - Summary of HTML 95K
Net Gains (Losses) From Financial Instruments
Classified and Designated as at Fair Value Through
Profit or Loss (Detail)
106: R90 Fair value of financial instruments - Summary of HTML 87K
Net Gains (Losses) From Financial Instruments
Classified and Designated as at Fair Value Through
Profit or Loss (Parenthetical) (Detail)
107: R91 Fair value of financial instruments - Summary of HTML 101K
Net Interest Income From Financial Instruments
(Detail)
108: R92 Fair value of financial instruments - Summary of HTML 90K
Net Interest Income From Financial Instruments
(Parenthetical) (Detail)
109: R93 Fair value of financial instruments - Summary of HTML 276K
Fair Value of Assets and Liabilities Measured at
Fair Value on a Recurring Basis and Classified
Using Fair Value Hierarchy (Detail)
110: R94 Fair value of financial instruments - Summary of HTML 89K
Fair Value of Assets and Liabilities Measured at
Fair Value on a Recurring Basis and Classified
Using Fair Value Hierarchy (Parenthetical)
(Detail)
111: R95 Fair value of financial instruments - Summary of HTML 227K
Quantitative Information About Fair Value
Measurements Using Significant Unobservable Inputs
(Level 3 Instruments) (Detail)
112: R96 Fair value of financial instruments - Summary of HTML 95K
Quantitative Information About Fair Value
Measurements Using Significant Unobservable Inputs
(Level 3 Instruments) (Parenthetical) (Detail)
113: R97 Fair value of financial instruments - Changes in HTML 218K
Fair Value Measurement for Instruments Measured on
a Recurring Basis and Categorized in Level 3
(Detail)
114: R98 Fair value of financial instruments - Changes in HTML 94K
Fair Value Measurement for Instruments Measured on
a Recurring Basis and Categorized in Level 3
(Parenthetical) (Detail)
115: R99 Fair value of financial instruments - Summary of HTML 136K
Positive and Negative Fair Value Movement of Level
3 Financial Instruments From Using Reasonably
Possible Alternative Assumptions (Detail)
116: R100 Fair value of financial instruments - Summary of HTML 153K
Fair Value for Financial Instruments Carried at
Amortized Cost and Classified Using the Fair Value
Hierarchy (Detail)
117: R101 Securities - Summary of Contractual Maturities of HTML 299K
the Carrying Values of Financial Instruments Held
(Detail)
118: R102 Securities - Summary of Unrealized Gains and HTML 118K
Losses on Securities at Fair Value through Other
Comprehensive Income (Detail)
119: R103 Securities - Summary of Unrealized Gains and HTML 86K
Losses on Securities at Fair Value through Other
Comprehensive Income (Parenthetical) (Detail)
120: R104 Securities - Summary of Allowance for Credit HTML 107K
Losses - Securities at FVOCI (Detail)
121: R105 Securities - Summary of Allowance for Credit HTML 101K
Losses - Securities at Amortized Cost (Detail)
122: R106 Securities - Summary of Credit Risk Exposure by HTML 115K
Internal Risk Rating (Detail)
123: R107 Securities - Summary of Credit Risk Exposure by HTML 83K
Internal Risk Rating (Parenthetical) (Detail)
124: R108 Loans and Allowance for Credit Losses - Disclosure HTML 132K
of Loans (Detail)
125: R109 Loans and Allowance for Credit Losses - Disclosure HTML 84K
of Loans (Parenthetical) (Detail)
126: R110 Loans and Allowance for Credit Losses - Disclosure HTML 124K
of Loans Maturity and Rate Sensitivity (Detail)
127: R111 Loans and Allowance for Credit Losses - Disclosure HTML 122K
of Allowance for Credit Losses (Detail)
128: R112 Loans and Allowance for Credit Losses - Disclosure HTML 82K
of Allowance for Credit Losses (Parenthetical)
(Detail)
129: R113 Loans and Allowance for Credit Losses - HTML 122K
Reconciliation of Allowance for Credit Losses -
Residential Mortgages (Detail)
130: R114 Loans and Allowance for Credit Losses - HTML 121K
Reconciliation of Allowance for Credit Losses -
Personal (Detail)
131: R115 Loans and Allowance for Credit Losses - HTML 120K
Reconciliation of Allowance for Credit Losses -
Credit Cards (Detail)
132: R116 Loans and Allowance for Credit Losses - HTML 119K
Reconciliation of Allowance for Credit Losses -
Small Business (Detail)
133: R117 Loans and Allowance for Credit Losses - HTML 121K
Reconciliation of Allowance for Credit Losses -
Wholesale (Detail)
134: R118 Loans and Allowance for Credit Losses, Key Inputs HTML 146K
and Assumptions - Additional Information (Detail)
135: R119 Loans and Allowance for Credit Losses - Impact of HTML 86K
Staging on Allowances for Credit Losses for
Performing Loans (Detail)
136: R120 Loans and Allowance for Credit Losses - Summary of HTML 115K
Gross Carrying Amount of Loans Measured at
Amortized Cost - Residential Mortgage (Detail)
137: R121 Loans and Allowance for Credit Losses - Summary of HTML 111K
Gross Carrying Amount of Loans Measured at
Amortized Cost - Personal (Detail)
138: R122 Loans and Allowance for Credit Losses - Summary of HTML 106K
Gross Carrying Amount of Loans Measured at
Amortized Cost - Credit Cards (Detail)
139: R123 Loans and Allowance for Credit Losses - Summary of HTML 110K
Gross Carrying Amount of Loans Measured at
Amortized Cost - Small Business (Detail)
140: R124 Loans and Allowance for Credit Losses - Summary of HTML 106K
Gross Carrying Amount of Loans Measured at
Amortized Cost - Undrawn Loan Commitments Retail
(Detail)
141: R125 Loans and Allowance for Credit Losses - Summary of HTML 107K
Gross Carrying Amount of Loans Measured at
Amortized Cost - Wholesale (Detail)
142: R126 Loans and Allowance for Credit Losses - Summary of HTML 102K
Gross Carrying Amount of Loans Measured at
Amortized Cost - Undrawn Loan Commitments
Wholesale (Detail)
143: R127 Loans and Allowance for Credit Losses - Summary of HTML 83K
Gross Carrying Amount of Loans Measured at
Amortized Cost (Parenthetical) (Detail)
144: R128 Loans and Allowance for Credit Losses - Disclosure HTML 94K
of Loans Past Due But Not Impaired (Detail)
145: R129 Significant acquisitions and disposition - HTML 121K
Additional Information (Detail)
146: R130 Derecognition of financial assets - Additional HTML 92K
Information (Detail)
147: R131 Derecognition of financial assets - Summary of HTML 102K
Carrying Amount and Fair Value of Transferred
Assets Did Not Qualify for Derecognition (Detail)
148: R132 Structured Entities - Additional Information HTML 135K
(Detail)
149: R133 Structured Entities - Summary of Assets and HTML 131K
Liabilities, Maximum Exposure to Loss Related to
Interests in Unconsolidated Structured Entities
(Detail)
150: R134 Structured Entities - Summary of Assets and HTML 86K
Liabilities, Maximum Exposure to Loss Related to
Interests in Unconsolidated Structured Entities
(Parenthetical) (Detail)
151: R135 Derivative financial instruments and hedging HTML 231K
activities - Notional Amount of Derivatives by
Term to Maturity (Absolute Amounts) (Detail)
152: R136 Derivative financial instruments and hedging HTML 90K
activities - Notional Amount of Derivatives by
Term to Maturity (Absolute Amounts)
(Parenthetical) (Detail)
153: R137 Derivative financial instruments and hedging HTML 159K
activities - Summary of Fair Value of Derivative
Instruments (Detail)
154: R138 Derivative financial instruments and hedging HTML 95K
activities - Summary of Fair Value of Derivative
Instruments by Term to Maturity (Detail)
155: R139 Derivative financial instruments and hedging HTML 93K
activities - Disclosure of detailed information
about hedging instruments (Detail)
156: R140 Derivative financial instruments and hedging HTML 117K
activities - Summary of Derivative-related Credit
Risk (Detail)
157: R141 Derivative financial instruments and hedging HTML 82K
activities - Summary of Derivative-related Credit
Risk (Parenthetical) (Detail)
158: R142 Derivative financial instruments and hedging HTML 106K
activities - Summary of Replacement Cost of
Derivative Instruments by Risk Rating and by
Counterparty Type (Detail)
159: R143 Derivative financial instruments and hedging HTML 98K
activities - Summary of Fair Values of Derivative
and Non-derivative Instruments Categorized by
Hedging Relationships (Detail)
160: R144 Derivative financial instruments and hedging HTML 157K
activities - Maturity Analysis of notional Amounts
and Average Rates of hedging Instruments (Detail)
161: R145 Derivative financial instruments and hedging HTML 102K
activities - Summary of Fair Value Hedges - Assets
and Liabilities Designated as hedged Items
(Detail)
162: R146 Derivative financial instruments and hedging HTML 89K
activities - Summary of Fair Value Hedges - Assets
and Liabilities Designated as hedged Items
(Parenthetical) (Detail)
163: R147 Derivative financial instruments and hedging HTML 106K
activities - Summary of Cash flow and Net
Investment Hedges - Assets and Liabilities
Designated as Hedged Items (Detail)
164: R148 Derivative financial instruments and hedging HTML 116K
activities - Summary of Effectiveness of
Designated Hedging Relationships (Detail)
165: R149 Derivative financial instruments and hedging HTML 85K
activities - Summary of Effectiveness of
Designated Hedging Relationships (Parenthetical)
(Detail)
166: R150 Derivative financial instruments and hedging HTML 132K
activities - Reconciliation of Components of
Equity by Hedging Designation (Detail)
167: R151 Premises and Equipment - Summary of Premises and HTML 170K
Equipment (Detail)
168: R152 Premises and Equipment - Summary of Premises and HTML 82K
Equipment (Parenthetical) (Detail)
169: R153 Premises and Equipment - Additional Information HTML 94K
(Detail)
170: R154 Goodwill and other intangible assets - Summary of HTML 119K
Changes in Carrying Amount of Goodwill by Cash
Generating Units (Detail)
171: R155 Goodwill and other intangible assets - Additional HTML 107K
Information (Detail)
172: R156 Goodwill and other intangible assets - Summary of HTML 111K
Terminal Growth Rates and Pre-tax Discount Rates
Used in Discounted Cash Flow Models (Detail)
173: R157 Goodwill and other intangible assets - Summary of HTML 151K
Carrying Amount of Other Intangible Assets
(Detail)
174: R158 Joint ventures and associated companies - Summary HTML 91K
of Carrying Value of Interests in Joint Ventures
and Associated Companies Accounted Under the
Equity Method (Detail)
175: R159 Joint ventures and associated companies - Summary HTML 84K
of Carrying Value of Interests in Joint Ventures
and Associated Companies Accounted Under the
Equity Method (Parenthetical) (Detail)
176: R160 Other Assets - Summary of Other Assets (Detail) HTML 115K
177: R161 Deposits - Summary of Deposit Liabilities (Detail) HTML 119K
178: R162 Deposits - Summary of Deposit Liabilities HTML 89K
(Parenthetical) (Detail)
179: R163 Deposits - Summary of Contractual Maturities of HTML 101K
Term Deposit Liabilities (Detail)
180: R164 Deposits - Summary of Average Deposit Balances and HTML 92K
Average Rates of Interest (Detail)
181: R165 Insurance - Summary of Net Premiums and Claims HTML 91K
(Detail)
182: R166 Insurance - Significant Insurance Assumptions HTML 92K
(Detail)
183: R167 Insurance - Summary of Gross and Reinsurers' Share HTML 108K
of Insurance Liabilities (Detail)
184: R168 Insurance - Reconciliation of Life Insurance HTML 97K
Policyholder Liabilities (Detail)
185: R169 Insurance - Additional Information (Detail) HTML 88K
186: R170 Insurance - Sensitivity Analysis of Insurance HTML 100K
Policyholder Liabilities to Reasonably Possible
Changes in Actuarial Assumptions (Detail)
187: R171 Segregated funds - Summary of Changes in Net HTML 90K
Assets (Detail)
188: R172 Segregated funds - Summary of Segregated Funds Net HTML 96K
Assets (Detail)
189: R173 Employee benefits - Pension and other HTML 114K
post-employment benefits - Additional Information
(Detail)
190: R174 Employee benefits - Pension and other HTML 115K
post-employment benefits - Analysis of Financial
Position Related to Pension and Other
Post-employment Benefit Plans (Detail)
191: R175 Employee benefits - Pension and other HTML 153K
post-employment benefits - Analysis of Movement in
Financial Position Related to Pension and Other
Post-employment Benefit Plans (Detail)
192: R176 Employee benefits - Pension and other HTML 88K
post-employment benefits - Analysis of Movement in
Financial Position Related to Pension and Other
Post-employment Benefit Plans (Parenthetical)
(Detail)
193: R177 Employee benefits - Pension and other HTML 114K
post-employment benefits - Summary of Composition
of Pension and Other Post-employment Benefit
Expense (Detail)
194: R178 Employee benefits - Pension and other HTML 102K
post-employment benefits - Summary of Composition
of Remeasurements Recorded in OCI (Detail)
195: R179 Employee benefits - Pension and other HTML 109K
post-employment benefits - Asset Allocation of
Defined Benefit Pension Plans (Detail)
196: R180 Employee benefits - Pension and other HTML 85K
post-employment benefits - Asset Allocation of
Defined Benefit Pension Plans (Parenthetical)
(Detail)
197: R181 Employee benefits - Pension and other HTML 106K
post-employment benefits - Maturity Profile of
Defined Benefit Pension Plan Obligation (Detail)
198: R182 Employee benefits - Pension and Other HTML 94K
Post-employment Benefits - Weighted Average
Assumptions to Determine Benefit Obligation
(Detail)
199: R183 Employee benefits - Pension and other HTML 98K
post-employment benefits - Mortality Assumptions
to Determine Benefit Obligation (Detail)
200: R184 Employee benefits - Pension and other HTML 99K
post-employment benefits - Sensitivity Analysis of
Key Assumptions (Detail)
201: R185 Employee benefits - Pension and other HTML 103K
post-employment benefits - Sensitivity Analysis of
Key Assumptions (Parenthetical) (Detail)
202: R186 Other liabilities - Summary of Other Liabilities HTML 117K
(Detail)
203: R187 Subordinated debentures - Summary of Net of HTML 143K
Holdings in Debentures (Detail)
204: R188 Subordinated debentures - Summary of Net of HTML 176K
Holdings in Debentures (Parenthetical) (Detail)
205: R189 Subordinated debentures - Maturities of HTML 91K
Subordinated Debentures (Detail)
206: R190 Equity - Additional Information (Detail) HTML 100K
207: R191 Equity - Summary of Common and Preferred Shares HTML 183K
and Other Equity Instruments Outstanding (Detail)
208: R192 Equity - Summary of Common and Preferred Shares HTML 126K
and Other Equity Instruments Outstanding
(Parenthetical) (Detail)
209: R193 Equity - Summary of Significant Terms and HTML 137K
Conditions of Preferred Shares and Other Equity
Instruments (Detail)
210: R194 Equity - Summary of Significant Terms and HTML 127K
Conditions of Preferred Shares and Other Equity
Instruments (Parenthetical) (Detail)
211: R195 Share-based compensation - Additional Information HTML 145K
(Detail)
212: R196 Share-based compensation - Summary of Stock Option HTML 104K
Activity and Related Information (Detail)
213: R197 Share-based compensation - Summary of Stock Option HTML 84K
Activity and Related Information (Parenthetical)
(Detail)
214: R198 Share-based compensation - Summary of Options HTML 113K
Outstanding and Exercisable by Range of Exercise
Price (Detail)
215: R199 Share-based compensation - Weighted average HTML 91K
assumptions (Detail)
216: R200 Share-based compensation - Summary of Units HTML 100K
Granted Under Deferred Share and Other Plans
(Detail)
217: R201 Share-based compensation - Summary of Obligation HTML 97K
Under Deferred Share and Other Plans (Detail)
218: R202 Share-based compensation - Summary of Compensation HTML 94K
Expenses Recognized Under Deferred Share and Other
Plans (Detail)
219: R203 Income taxes - Components of Tax Expenses (Detail) HTML 143K
220: R204 Income taxes - Additional Information (Detail) HTML 139K
221: R205 Income taxes - Reconciliation to Statutory Tax HTML 113K
Rate (Detail)
222: R206 Income taxes - Significant Components of Deferred HTML 139K
Tax Assets and Liabilities (Detail)
223: R207 Earnings per share - Summary of Earnings Per Share HTML 110K
(Detail)
224: R208 Earnings per share - Summary of Earnings Per Share HTML 85K
(Parenthetical) (Detail)
225: R209 Guarantees, commitments, pledged assets and HTML 106K
contingencies - Summary of Maximum Exposure to
Credit Losses Related to Guarantees and
Commitments Provided to Third Parties (Detail)
226: R210 Guarantees, commitments, pledged assets and HTML 104K
contingencies - Additional Information (Detail)
227: R211 Guarantees, commitments, pledged assets and HTML 101K
contingencies - Sources of Pledged Assets and
Collateral (Detail)
228: R212 Guarantees, commitments, pledged assets and HTML 105K
contingencies - Uses of Pledged Assets and
Collateral (Detail)
229: R213 Related party transactions - Summary of HTML 90K
Compensation of Key Management Personnel and
Directors (Detail)
230: R214 Related party transactions - Summary of HTML 85K
Compensation of Key Management Personnel and
Directors ( Parenthetical) (Detail)
231: R215 Related party transactions - Summary of Stock HTML 101K
Options, Share-based Awards and Shares Held by Key
Management Personnel, Directors and Their Close
Family Members (Detail)
232: R216 Related party transactions - Summary of Stock HTML 85K
Options, Share-based Awards and Shares Held by Key
Management Personnel, Directors and Their Close
Family Members (Parenthetical) (Detail)
233: R217 Related Party Transactions - Additional HTML 96K
Information (Detail)
234: R218 Related party transactions - Summary of Other HTML 88K
Transactions, Arrangements or Agreements Involving
Joint Ventures and Associates (Detail)
235: R219 Results by business segment - Additional HTML 86K
Information (Detail)
236: R220 Results by Business Segment - Detailed Report of HTML 180K
Segments (Detail)
237: R221 Nature and extent of risks arising from financial HTML 137K
instruments - Summary of Credit Exposure
Associated With on-and Off-balance Sheet Financial
Instruments (Detail)
238: R222 Nature and extent of risks arising from financial HTML 120K
instruments - Summary of Credit Exposure
Associated With on-and Off-balance Sheet Financial
Instruments (Parenthetical) (Detail)
239: R223 Capital management - Summary of Regulatory Capital HTML 110K
and Capital Ratios (Detail)
240: R224 Offsetting financial assets and financial HTML 115K
liabilities - Financial Assets Subject to
Offsetting, Enforceable Master Netting
Arrangements and Similar Agreements (Detail)
241: R225 Offsetting financial assets and financial HTML 115K
liabilities - Financial Liabilities Subject to
Offsetting, Enforceable Master Netting
Arrangements and Similar Agreements (Detail)
242: R226 Offsetting financial assets and financial HTML 90K
liabilities - Financial Assets and Liabilities
Subject to Offsetting, Enforceable Master Netting
Arrangements and Similar Agreements
(Parenthetical) (Detail)
243: R227 Recovery and settlement of on-balance sheet assets HTML 175K
and liabilities - Analysis of Financial Assets and
Liabilities by Contractual Maturities Basis
(Detail)
244: R228 Recovery and settlement of on-balance sheet assets HTML 84K
and liabilities - Analysis of Financial Assets and
Liabilities by Contractual Maturities Basis
(Parenthetical) (Detail)
245: R229 Parent company information - Summary of Parent HTML 129K
Company Information - Condensed Balance Sheets
(Detail)
246: R230 Parent company information - Summary of Parent HTML 125K
Company Information - Condensed Statements of
Income and Comprehensive Income (Detail)
247: R231 Parent company information - Summary of Parent HTML 83K
Company Information - Condensed Statements of
Income and Comprehensive Income (Parenthetical)
(Detail)
248: R232 Parent company information - Summary of Parent HTML 175K
Company Information - Condensed Statements of Cash
Flows (Detail)
249: R233 Principal subsidiaries - Summary Of Principal HTML 137K
Subsidiaries (Detail)
250: R234 Principal subsidiaries - Additional Information HTML 83K
(Detail)
253: XML IDEA XML File -- Filing Summary XML 537K
251: XML XBRL Instance -- d519293d40f_htm XML 24.93M
252: EXCEL IDEA Workbook of Financial Report Info XLSX 749K
13: EX-101.CAL XBRL Calculations -- ry-20231031_cal XML 346K
14: EX-101.DEF XBRL Definitions -- ry-20231031_def XML 4.01M
15: EX-101.LAB XBRL Labels -- ry-20231031_lab XML 5.01M
16: EX-101.PRE XBRL Presentations -- ry-20231031_pre XML 4.61M
12: EX-101.SCH XBRL Schema -- ry-20231031 XSD 1.11M
254: JSON XBRL Instance as JSON Data -- MetaLinks 1,194± 2.06M
255: ZIP XBRL Zipped Folder -- 0001193125-23-285639-xbrl Zip 5.28M
| EX-97 |
Exhibit 97
ROYAL BANK OF CANADA POLICY FOR THE
RECOVERY OF ERRONEOUSLY AWARDED INCENTIVE-BASED COMPENSATION FROM
EXECUTIVE OFFICERS
I. BACKGROUND
Royal Bank of Canada (“RBC”) has adopted this policy (this “Policy”) to provide for the recovery or “clawback” of certain incentive compensation in the event of a Restatement (as defined below). This Policy is intended to comply with, and will be interpreted to be consistent with, the requirements of Section 303A.14 of the New York Stock Exchange (“NYSE”) Listed Company Manual.
II. STATEMENT OF POLICY
RBC shall recover reasonably promptly the amount of erroneously awarded Incentive-Based Compensation (as defined below) in the event that RBC is required to prepare an accounting restatement due to the material noncompliance of RBC with any financial reporting requirement under applicable securities laws, including any required accounting restatement to correct an error in previously issued financial statements that is material to the previously issued financial statements, or that would result in a material misstatement if the error were corrected in the current period or left uncorrected in the current period (a “Restatement”).
RBC shall recover erroneously awarded Incentive-Based Compensation in compliance with this Policy except to the extent provided under the section entitled “V. Exceptions” herein.
III. SCOPE OF POLICY
A. Covered Persons and Recovery Period. This Policy applies to all Incentive-Based Compensation received by a person:
| ● | after beginning service as an Executive Officer (as defined below), |
| ● | who served as an Executive Officer at any time during the performance period for that Incentive-Based Compensation, |
| ● | while RBC has a class of securities listed on NYSE, and |
| ● | during the three completed fiscal years immediately preceding the date that RBC is required to prepare a Restatement (the “Recovery Period”). |
Notwithstanding this look-back requirement, RBC is only required to apply this Policy to Incentive-Based Compensation received on or after October 2, 2023.
For purposes of this Policy, Incentive-Based Compensation shall be deemed “received” in RBC’s fiscal period during which the Financial Reporting Measure (as defined herein) specified in the Incentive-Based Compensation award is attained, even if the payment or grant of the Incentive-Based Compensation occurs after the end of that period.
B. Transition Period. In addition to the Recovery Period, this Policy applies to any transition period (that results from a change in RBC’s fiscal year) within or immediately following the Recovery Period (a “Transition Period”), provided that a Transition Period between the last day of RBC’s previous fiscal year end and the first day of RBC’s new fiscal year that comprises a period of nine to 12 months will be deemed a completed fiscal year. For clarity, RBC’s obligation to recover erroneously awarded Incentive-Based Compensation under this Policy is not dependent on if or when a Restatement is filed.
C. Determining Recovery Period. For purposes of determining the relevant Recovery Period, the date that RBC is required to prepare the Restatement is the earlier to occur of:
| ● | the date the board of directors of RBC (the “Board”), a committee of the Board, or the officer or officers of RBC authorized to take such action if Board action is not required, concludes, or reasonably should have concluded, that RBC is required to prepare a Restatement, and |
| ● | the date a court, regulator, or other legally authorized body directs RBC to prepare a Restatement. |
IV. AMOUNT SUBJECT TO RECOVERY
A. Recoverable Amount. The amount of Incentive-Based Compensation subject to recovery under this Policy is the amount of Incentive-Based Compensation received that exceeds the amount of Incentive-Based Compensation that otherwise would have been received had it been determined based on the restated amounts, computed without regard to any taxes paid.
B. Covered Compensation Based on RBC’s Common Share Price or TSR. For Incentive-Based Compensation based on the price of RBC’s common shares or total shareholder return (“TSR”), where the amount of erroneously awarded Incentive-Based Compensation is not subject to mathematical recalculation directly from the information in a Restatement, the recoverable amount shall be based on a reasonable estimate of the effect of the Restatement on the share price or TSR upon which the Incentive-Based Compensation was received. In such event, RBC shall maintain documentation of the determination of that reasonable estimate and provide such documentation to the NYSE.
V. EXCEPTIONS
RBC shall recover erroneously awarded Incentive-Based Compensation in compliance with this Policy except to the extent that the conditions set out below are met and the Human Resources Committee of RBC’s Board of Directors (the “Committee”) has made a determination that recovery would be impracticable:
A. Direct Expense Exceeds Recoverable Amount. The direct expense paid to a third party to assist in enforcing this Policy would exceed the amount to be recovered; provided, however, that before concluding it would be impracticable to recover any amount of erroneously awarded Incentive-Based Compensation based on the anticipated expense of enforcement, RBC shall make a reasonable attempt to recover such erroneously awarded Incentive-Based Compensation, document such reasonable attempt(s) to recover, and provide that documentation to the NYSE.
B. Violation of Home Country Law. Recovery would violate applicable Canadian federal or provincial law (“Canadian law”) where that law was adopted prior to November 28, 2022; provided, however, that before concluding it would be impracticable to recover any amount of erroneously awarded Incentive-Based Compensation based on violation of Canadian law, RBC shall obtain an opinion of Canadian counsel, acceptable to the NYSE, that recovery would result in such a violation, and shall provide such opinion to NYSE.
C. Recovery from Certain Tax-Qualified Retirement Plans. Recovery would likely cause an otherwise tax-qualified retirement plan, under which benefits are broadly available to employees of RBC, to fail to meet the requirements of 26 U.S.C. 401(a)(13) or 26 U.S.C. 411(a) and regulations thereunder.
VI. PROHIBITION AGAINST INDEMNIFICATION
RBC shall not indemnify any Executive Officer or former Executive Officer against the loss of erroneously awarded Incentive-Based Compensation.
VII. DISCLOSURE
RBC shall file all disclosures with respect to recoveries under this Policy in accordance with the requirements of all applicable Canadian and U.S. Federal securities laws, including the disclosure required to be included in applicable Securities and Exchange Commission (“SEC”) filings.
VIII. DEFINITIONS
Unless the context otherwise requires, the following definitions apply for purposes of this Policy:
“Executive Officer” means RBC’s president, principal financial officer, principal accounting officer (or if there is no such accounting officer, the controller), any vice-president of RBC in charge of a principal business unit, division, or function (such as sales, administration, or finance), any other officer who performs a policy-making function, or any other person who performs similar policymaking functions for RBC. Executive officers of RBC’s subsidiaries are deemed Executive Officers of RBC if they perform such policy making functions for RBC. Policy-making function is not intended to include policymaking functions that are not significant. Identification of an Executive Officer for purposes of this Policy will include at a minimum executive officers identified pursuant to 17 CFR 229.401(b).
“Financial Reporting Measures” means any of the following: (i) measures that are determined and presented in accordance with the accounting principles used in preparing RBC’s financial statements, and any measures that are derived wholly or in part from such measures, (ii) stock price and (iii) TSR. A Financial Reporting Measure need not be presented within RBC’s financial statements or included in a filing with the SEC.
“Incentive-Based Compensation” means any compensation that is granted, earned, or vested based wholly or in part upon the attainment of a Financial Reporting Measure.
IX. APPROVAL AUTHORITY; REVIEW SCHEDULE.
This Policy is reviewed for approval by the Committee, following review by the Compensation Risk Management Oversight Committee and Group Risk Committee, every three years and reviewed by the Compensation Sub-Group annually. This Policy should be reviewed more frequently if required by changes to applicable laws or regulations or to ensure the effectiveness of this Policy and RBC’s adherence to best practices. This Policy was last approved by the Committee on October 18, 2023.
X. NON-SUBSTANTIVE CHANGES
Non-substantive changes to this Policy will be approved by the SVP, Compensation and Benefits.
XI. EFFECTIVENESS; OTHER RECOUPMENT RIGHTS
This Policy shall be effective as of October 18, 2023. Any right of recoupment under this Policy is in addition to, and not in lieu of, any other remedies or rights of recoupment that may be available to RBC and its subsidiaries and affiliates under applicable law or pursuant to the terms of any similar policy or similar provision in any employment agreement, equity award agreement or similar agreement.
XII. MONITORING FOR EFFECTIVENESS AND/OR REPORTING REQUIREMENTS
Human Resources, Financial & Regulatory Reporting and the Accounting Policy Group, and Law Group are responsible for monitoring and interpreting the application of this Policy.
XIII. OWNERSHIP / RESPONSBILITY FOR THIS POLICY
This document is the responsibility of Human Resources, Compensation and Benefits.
| This ‘40-F’ Filing | Date | Other Filings | ||
|---|---|---|---|---|
 | ||||
| Filed on: | 11/30/23 | 6-K | ||
| For Period end: | 10/31/23 | 424B2, FWP | ||
| 10/18/23 | 424B2, FWP | |||
| 10/2/23 | 424B2, FWP | |||
| 11/28/22 | 424B2, FWP | |||
| List all Filings | ||||
As Of Filer Filing For·On·As Docs:Size Issuer Filing Agent 4/19/24 Royal Bank of Canada 424B2 4/18/24 1:420K Donnelley … Solutions/FA 4/17/24 Royal Bank of Canada 424B2 1:403K Donnelley … Solutions/FA 12/20/23 Royal Bank of Canada 424B3 1:521K Donnelley … Solutions/FA 12/19/23 Royal Bank of Canada F-3/A 3:670K Donnelley … Solutions/FA 12/05/23 Royal Bank of Canada F-3 10:881K Donnelley … Solutions/FA |