加拿大皇家银行(RBC)公布创纪录季度利润，盘前股价微涨约1%

Nvidia shares rise as strong AI demand powers bumper earnings, bullish outlook
Investing.com -- Royal Bank of Canada (TSX:RY) (NYSE:RY) shares rose over 1% in U.S. premarket trading Thursday after Canada’s largest lender reported record quarterly profit, with strength across wealth management, capital markets and commercial banking driving the results.
Adjusted net income for the fiscal third quarter came in at $6.1 billion, up 10% from a year earlier and 9% from the prior quarter. Adjusted diluted EPS was $4.28, up 11% year-over-year and 10% sequentially. Adjusted return on equity (ROE) climbed to 18.1%, up 40 basis points from a year ago and 70 basis points sequentially.
Pre-provision, pre-tax earnings — a measure RBC uses to strip out credit-cycle noise — hit a record $8.7 billion, up 13% from last year. The bank attributed the gain mainly to higher fee-based revenue in Wealth Management on market appreciation and net sales, along with stronger Capital Markets revenue across Corporate & Investment Banking and Global Markets, plus higher net interest income from average volume growth in Personal Banking, Commercial Banking and Wealth Management.
By segment, Wealth Management was the standout, with net income of $1,442 million up 32% year-over-year and 22% sequentially, driven by higher fee-based client assets and net sales. Capital Markets net income rose 16% to $1,544 million on higher equity and debt origination, M&A activity and equity trading revenue, though this was partly offset by higher provisions.
Commercial Banking net income increased 12% to $936 million on deposit and loan volume growth plus lower provisions. Personal Banking was comparatively soft, with net income down 1% to $1,923 million as higher non-interest expenses offset volume growth, while Insurance net income fell 20% to $197 million on weaker claims experience and the absence of favorable prior-period adjustments.
Credit quality showed modest deterioration. Total provisions for credit losses (PCL) rose to $1.0 billion, up $119 million or 14% from a year ago and $88 million or 10% from last quarter, with the PCL on loans ratio ticking up to 36 basis points. RBC pointed to higher provisions in Capital Markets and Personal Banking, partly offset by lower provisions in Commercial Banking.
RBC’s CET1 ratio held steady at 13.5%, above regulatory requirements, even as the bank returned $4.0 billion to shareholders — $1.6 billion in share buybacks and $2.4 billion in common share dividends. Liquidity coverage ratio dipped slightly to 125% from 126% last quarter, still implying a roughly $98 billion surplus, while NSFR improved to 112% from 111%.