Royal Bank of Canada’s third-quarter net income was $6.0 billion in Canadian dollars; diluted EPS was $4.23

Royal Bank of Canada (TSX and NYSE: RY) reported net income of $6.0 billion for the quarter ended July 31, 2026, up 11% from a year earlier. Diluted earnings per share were $4.23, up 13%. Return on equity was 17.9%. Those amounts are from the Third Quarter 2026 Earnings Release furnished as Exhibit 99.1 to Form 6-K accession 0001193125-26-369461, accepted by the SEC on August 27, 2026. The exhibit says all amounts are in Canadian dollars and are based on financial statements presented under IAS 34, unless otherwise noted.

The 6-K cover identifies Exhibit 99.1 as the Third Quarter 2026 Earnings Release and Exhibit 99.2 as the Third Quarter 2026 Report to Shareholders. The headline box prints net income of $6.0 billion, diluted EPS of $4.23, ROE of 17.9%, total provision for credit losses of $1.0 billion, and a CET1 ratio of 13.5%. Adjusted net income of $6.1 billion, adjusted diluted EPS of $4.28, and adjusted ROE of 18.1% are labeled non-GAAP. Total allowances for credit losses were $7.8 billion. Average LCR was 125%. The release attributes the year-over-year increase to higher results in Wealth Management, Capital Markets, and Commercial Banking.

The exhibit box and the reconciliation table state the same quarter two ways. The box prints net income of $6.0 billion; the table prints $6.02 billion of Canadian dollars. Adjusted net income is $6.1 billion in the box and $6.1 billion in the table. Total PCL is $1.0 billion in the box and $1 billion in the table. Diluted EPS is $4.23 on both presentations. This page does not turn those millions into the boxed billions, and it does not turn either print into U.S. dollars.

Reported and adjusted lines are different objects. Adjusted net income of $6.1 billion and adjusted diluted EPS of $4.28 are non-GAAP measures; the exhibit points readers to the Key performance and non-GAAP measures section for the reconciliation. Reported ROE of 17.9% is not the adjusted ROE of 18.1%. Dave McKay, President and Chief Executive Officer, called the print record net income and pointed to a diversified business and a robust balance sheet. That is issuer language from the release, not a TickerGrove ranking.

Credit and capital stay on the printed ratios. Total PCL was $1.0 billion. Total ACL was $7.8 billion. The CET1 ratio was 13.5% as at July 31, 2026, unchanged from last quarter on the exhibit’s wording. Average LCR for the quarter was 125%. Form 6-K is a foreign-private-issuer report; the figures used here are from Exhibit 99.1, not from a reconstructed U.S. GAAP recast.