Royal Bank of Canada
Close on Nov 2, 2026Market cap $286.53BP/E 18.0Yield –
Royal Bank of Canada Insurance Contractual Service Margin / CSM (C$M) by Year
Insurance Contractual Service Margin / CSM (C$M) (M)
Royal Bank of Canada Insurance Contractual Service Margin / CSM (C$M): 1,802M in FY2025, down 15.7% from a year earlier.
Where the FY2025 figure comes from
Source: RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_12] ↗
CSM under IFRS 17 (effective FY2024, retrospective to FY2023): unearned profit to be recognized gradually into earnings in future periods.
Annual history
Hover a value to see the sentence it was read from; calculated values show their formula
| Period | Ended | Insurance Contractual Service Margin / CSM (C$M) (M) | Year on year | Source |
|---|---|---|---|---|
| FY2025 | Oct 31, 2025 | 1,802 | -15.7% | RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_12] ↗ |
| FY2024 | Oct 31, 2024 | 2,137 | +9.3% | RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_12] ↗ |
| FY2023 | Oct 31, 2023 | 1,956 | – | RBC Q3 2025 Supplementary Financial Information (25q3supp.xlsx) [Page_12] ↗ |
Breakdown
What makes up insurance Contractual Service Margin / CSM (C$M)
Cite this data
StockData. (2026). Royal Bank of Canada Insurance Contractual Service Margin / CSM (C$M) (M), annual FY2023–FY2025 [Data set]. Compiled from Royal Bank of Canada SEC filings and investor materials. https://stockdatahq.com/stocks/ry/kpis/ins-csm-m
See every metric in the Royal Bank of Canada KPI table. Data updated Nov 2, 2026.