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Royal Bank of Canada

RYNYSECommercial Banks, NECFiscal year ends October 31Also trades as RYLBF
Financials through Q3 FY2026, quarter ended Jul 31, 2026Last filing: 40-F on Dec 3, 2025Score 6/30
$204.57+1.59 (+0.78%)

Close on Nov 2, 2026Market cap $286.53BP/E 18.0Yield –

Royal Bank of Canada Net Write-Off Ratio — Retail by Year

Net Write-Off Ratio — Retail (%) (%)

QuarterlyAnnual

Royal Bank of Canada Net Write-Off Ratio — Retail: 0.3% in FY2025, up 0.0 pts from a year earlier. That is the highest of the 12 years on record here.

Latest, FY2025
0.3%
Period ended Oct 31, 2025
Change on a year earlier
+0.0 pts
0.2% in FY2024
History
12 years
Since FY2014
Sources
11
Documents cited below

Where the FY2025 figure comes from

Source: RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_29] ↗

Annual history

Hover a value to see the sentence it was read from; calculated values show their formula

PeriodEndedNet Write-Off Ratio — Retail (%) (%)Year on yearSource
FY2025Oct 31, 20250.3%+0.0 ptsRBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_29] ↗
FY2024Oct 31, 20240.2%+0.1 ptsRBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_29] ↗
FY2023Oct 31, 20230.2%+0.1 ptsRBC Q3 2025 Supplementary Financial Information (25q3supp.xlsx) [Page_29] ↗
FY2022Oct 31, 20220.1%0.0 ptsRBC Q3 2024 Supplementary Financial Information (24q3supp.xlsx) [Page 29] ↗
FY2021Oct 31, 20210.1%-0.1 ptsRBC Q3 2023 Supplementary Financial Information (23q3supp.xlsx) [Page 29] ↗
FY2020Oct 31, 20200.2%-0.0 ptsRBC Q3 2022 Supplementary Financial Information (22q3supp.xlsx) [Page 30] ↗
FY2019Oct 31, 20190.3%+0.0 ptsRBC Q3 2021 Supplementary Financial Information (21q3supp.xlsx) [Page 30] ↗
FY2018Oct 31, 20180.3%0.0 ptsRBC Q3 2020 Supplementary Financial Information (20q3supp.xlsx) [Page 34] ↗
FY2017Oct 31, 20170.3%-0.0 ptsRBC Q3 2019 Supplementary Financial Information (19q3supp.xlsx) [Page 37] ↗
FY2016Oct 31, 20160.3%+0.0 ptsRBC Q3 2018 Supplementary Financial Information (18q3supp.xlsx) [Page 41] ↗
FY2015Oct 31, 20150.3%-0.0 ptsRBC Q3 2017 Supplementary Financial Information (17q3supp.xlsx) [Page 38] ↗
FY2014Oct 31, 20140.3%–RBC Q4 2016 Supplementary Financial Information (16q4supp.xlsx) [Page 38] ↗

Cite this data

StockData. (2026). Royal Bank of Canada Net Write-Off Ratio — Retail (%), annual FY2014–FY2025 [Data set]. Compiled from Royal Bank of Canada SEC filings and investor materials. https://stockdatahq.com/stocks/ry/kpis/cr-nwo-ratio-retail-pct

See every metric in the Royal Bank of Canada KPI table. Data updated Nov 2, 2026.