Canada · Credit institution
Royal Bank of Canada
Royal Bank of Canada is a bank governed by the Bank Act (Canada). It was constituted in 1869 under a private act of Canada and has its corporate headquarters in Toronto. Its common shares are listed on the Toronto Stock Exchange and the New York Stock Exchange, and no parent company is reported. The bank provides personal and commercial banking, wealth management, insurance, investor services and capital markets services in Canada, the United States and other countries. It completed its acquisition of HSBC Bank Canada on 28 March 2024.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers. It is on the FSB G-SIB list (see Regulatory status): that is a designation, not a licence on a tracked register.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Regulatory status
FSB · global systemically important banks
2025 list
- G-SIB
- Royal Bank of Canada
- Relation
- Listed G-SIB entityThe entity the FSB names on its G-SIB list: the group’s holding company, or the bank itself where the group is a single bank.
- Bucket
- 1 of 5 · extra capital buffer 1.0% of risk-weighted assets
- On the list since
- 2017
European registers
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Systematic internaliser | Autorité des Marchés Financiers (AMF) | 2020-12-14 | DERV |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- ROYCCAT2XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of ROYCCAT2 marks reverse billing.
- Swift GPI
- Live member
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- 11 branch codes
- BIC first registered
- 1977-09-26
- Last updated
- 2022-02-14
Overview
Researched 29 Sep 2026 · Sources
Ownership
Publicly listed
Tickers RY · RY
Institution type
Universal bank
Trades as RBC
- Ownership
- The bank's common shares are listed on the Toronto Stock Exchange and the New York Stock Exchange, and no controlling shareholder is reported.
- Stock listings
- Toronto Stock Exchange RY
New York Stock Exchange RY - Head office
- 200 Bay Street, M5J 2J5 Toronto, Canada (registered office: 1 Place Ville-Marie, Montreal, Quebec H3B 3A9, Canada (legal address in the LEI record))
- Name in the local language
- Banque Royale du Canada
- Former name
- Merchants Bank of Halifax
Business lines
According to its Q3 2026 Report to Shareholders, the bank reports five business segments: Personal Banking, Commercial Banking, Wealth Management, Insurance and Capital Markets.
Online
- Websites & references
- rbc.com ↗
rbccm.com ↗ RBC Capital Markets (capital markets brand of the group)
thoughtleadership.rbc.com ↗ RBC Thought Leadership, linked from the rbc.com footer
Wikidata Q735261 ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 10 pages consulted
- rbc.com/investor-relations/_assets-custom/pdf/2026q3_report.pdf
- rbc.com/our-company/our-leadership.html
- rbc.com/our-company/governance/index.html
- rbc.com/our-company/index.html
- newswire.ca/news-releases/royal-bank-of-canada-reports-third-quarter-2026-results-873288683.html
- canada.ca/en/financial-consumer-agency/services/industry/commissioner-decisions/summary-proceeding-
- fintrac-canafe.canada.ca/new-neuf/nr/2023-12-05-eng
- newswire.ca/news-releases/rbc-announces-changes-to-its-executive-team-876001068.html
- globalnews.ca/news/10751662/rbc-cfo-interim-made-permanent/
- newswire.ca/news-releases/rbc-completes-acquisition-of-hsbc-bank-canada-849432219.html
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
David McKay
President & Chief Executive Officer
- Chair
-
Jacynthe Côté
Chair of the Board
- Chief financial officer
-
Katherine Gibson
Chief Financial Officer
- Executive
-
Graeme Hepworth
Chief Risk Officer
- Executive
-
Maria Douvas
Chief Legal and Administrative Officer
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- Canada
- Office of the Superintendent of Financial Institutions Prudential supervisor
- Canada
- Financial Transactions and Reports Analysis Centre of Canada AML supervisor
- Canada
- Financial Consumer Agency of Canada Conduct
- Canada
- Canada Deposit Insurance Corporation Resolution
Recent events 2 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Other
The bank and BMO Financial Group agreed to sell their jointly owned Moneris Solutions Corporation to Francisco Partners. Closing is expected by early 2027.
rbc.com ↗ -
Enforcement
The Financial Consumer Agency of Canada imposed a CAD 4.25 million penalty on the bank for inaccurate credit card statements under the Bank Act.
canada.ca ↗ -
Leadership
The bank appointed Katherine Gibson as permanent Chief Financial Officer after she had served as interim Chief Financial Officer since April 2024.
globalnews.ca ↗ -
Leadership
The bank terminated Chief Financial Officer Nadine Ahn after an internal investigation found a breach of its Code of Conduct.
newswire.ca ↗ -
Merger / acquisition
The bank completed its acquisition of HSBC Bank Canada. HSBC Canada branches opened as RBC locations on 1 April 2024.
newswire.ca ↗ -
Enforcement
FINTRAC imposed a CAD 7,475,000 penalty on the bank for non-compliance with Part 1 of the Proceeds of Crime (Money Laundering) and Terrorist Financing Act.
fintrac-canafe.canada.ca ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- ROYCCAT2XXX
- How the BIC breaks down
- ROYCBank
- CACountry · Canada
- T2Location · reverse billing
- XXXBranch · head office
- Branch description
- HEAD OFFICE
- LEI
- ES7IP3U3RHIGC71XBU11
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Credit institutionListed as a credit institution, or a branch of one, on the ECB’s list of supervised entities, or named as a bank on the Financial Stability Board’s G-SIB list, directly or as a G-SIB’s main operating bank. These are the only bank lists the directory tracks so far.
- Regulation
- Prudentially supervised (FSB G-SIB list)Prudentially supervised, according to the FSB 2025 G-SIB list. This is a designation, not a licence on a tracked register.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Canada · North America
- FSB G-SIB list
- Bucket 1 of 5 list of 2025
- Trading venues (MIC)
- Operates 2 MICs list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
- Founded
- 1864
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- FSB G-SIB list
- Listed G-SIB entity · Royal Bank of Canada bucket 1 · 2025 listThe entity the FSB names on its G-SIB list: the group’s holding company, or the bank itself where the group is a single bank.
The Royal Bank of Canada group has 24 institutions in the directory, in 12 countries: all hold a BIC.
Including Royal Bank of Canada, Royal Bank of Canada - Wfc Branch, RBC Capital Markets, LLC, RBC Europe Limited, City National Bank.
See the Royal Bank of Canada group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- SOUTH TOWER, PAYMENT CENTRE TORONTO FLOOR 8 200 BAY ST TORONTO M5J 2J5 CANADA
- Operational address
- PAYMENT CENTRE - TORONTO 180 WELLINGTON STREET WEST TORONTO TORONTO M5J 1J1 CANADA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>ROYCCAT2XXX</BICFI>
<LEI>ES7IP3U3RHIGC71XBU11</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>ROYCCAT2XXX</BICFI>
<LEI>ES7IP3U3RHIGC71XBU11</LEI>
<Nm>ROYAL BANK OF CANADA</Nm>
<PstlAdr>
<TwnNm>TORONTO</TwnNm>
<Ctry>CA</Ctry>
<AdrLine>SOUTH TOWER, PAYMENT CENTRE TORONTO FLOOR 8 200 BAY ST TORONTO M5J 2J5</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Market identifiers
2 trading venues and reporting services run under this LEI list of 2026-09-17
| MIC | Market | Kind | Category |
|---|---|---|---|
| RBCC | RBC - PARIS BRANCH | Operating MIC | Systematic internaliser |
| RBCM | RBC - ROYAL BANK OF CANADARBC | Operating MIC | Systematic internaliser |
Network
Branches and correspondent banking
All 11 branch BICs connect to the head office. Most were registered in 1993 (5 BICs) and 2013 (2). 43 other banks publish 43 accounts held with this bank.
- Own offices
- Respondent banks: they hold accounts here
Hover over a branch, account or group to see its details
Respondent banks
From the correspondent lists other banks publish
43 other banks publish 43 accounts held with this bank.
| Currency | Respondent bank | Held at | Account | Purpose | Published in |
|---|---|---|---|---|---|
| CAD | Asb Bank Limited New Zealand | ROYCCAT2 | — | incoming international money transfers | asb.co.nz ↗ dated Jun 2019 |
| CAD | Bank of Communications (Hong Kong) Limited Hong Kong SAR China | ROYCCAT2 | — | remittance services | hk.bankcomm.com ↗ dated 14 May 2019 |
| CAD | Banque Cantonale de Geneve Switzerland | ROYCCAT2XXX | 95911122506 | standard settlement instructions | bcge.ch ↗ dated Aug 2026 |
| CAD | Banque et Caisse D'epargne de L'etat, Luxembourg Luxembourg | ROYCCAT2 | 95911121169 | Treasury and commercial payments | spuerkeess.lu ↗ dated 12 Jan 2026 |
| CAD | Barclays Bank Ireland PLC Ireland | ROYCCAT2 | 09591-1004357 | Free cash related to fixed income securities activity | docslib.org ↗ dated May 2020 |
| CAD | BBVA Mexico, S.A. Institucion de Banca Multiple Mexico | ROYCCAT2 | — | incoming international transfers | bbva.mx ↗ dated 28 Sep 2026 |
| CAD | BNP Paribas Fortis SA/NV Belgium | ROYCCAT2 | 95911275098 | reimbursement for commercial transactions | companies.bnpparibasfortis.be ↗ dated 1 Jul 2025 |
| CAD | Cassa Centrale Banca - Credito Cooperativo Italiano S.P.A. Italy | ROYCCAT2 | — | — | cassacentrale.it ↗ dated 21 Apr 2026 |
| CAD | Cathay Bank United States | ROYCCAT2 | — | incoming wire transfers (CC code 000309591) | cathaybank.com ↗ |
| CAD | Ceska Sporitelna A.S. Czechia | ROYCCAT2 | — | — | cdn.erstegroup.com ↗ dated Sep 2020 |
| CAD | City National Bank United States | ROYCCAT2 | — | incoming foreign currency wires | cnb.com ↗ dated Mar 2023 |
| CAD | Cmb Wing Lung Bank Limited Hong Kong SAR China | ROYCCAT2 | — | general payments | cmbwinglungbank.com ↗ |
| CAD | Deutsche Bank AG Germany | ROYCCAT2 | 095912235521 | FX and FX options cash | corporates.db.com ↗ dated 13 Jul 2026 |
| CAD | DNB Bank ASA Norway | ROYCCAT2 | 095911385426 | — | content.dnb.no ↗ dated 2 Feb 2026 |
| CAD | Doha Bank Qatar | ROYCCAT2 | 95911241413 | — | dohabank.com.qa ↗ dated Jul 2026 |
| CAD | DZ Bank AG, Deutsche Zentral- Genossenschaftsbank Germany | ROYCCAT2 | — | Commercial payments | dzbank.com ↗ dated 10 Jul 2026 |
| CAD | Everbank, National Association United States | ROYCCAT2XXX | 09591-1002187 | Incoming foreign-currency payments (MT103, intermediary institution) | everbank.com ↗ dated Jun 2024 |
| CAD | HSBC Continental Europe France | ROYCCAT2 | 09591-1000041 | Local clearing bank; via head-office account FR7630056008290829000157535 (CCFRFRPP) | hsbc.be ↗ |
| CAD | Idbi Bank Limited India | ROYCCAT2XXX | 95911030634 | — | stocksmantra.com ↗ dated Jul 2025 |
| CAD | Indusind Bank Limited India | ROYCCAT2XXX | 095912308880 | — | indusind.bank.in ↗ |
| CAD | Landsbankinn Hf Iceland | ROYCCAT2XXX | — | FX, MM, CP | landsbankinn.is ↗ dated 19 May 2026 |
| CAD | Mashreqbank Psc. United Arab Emirates | ROYCCAT2XXX | — | standard settlement instruction | mashreq.com ↗ |
| CAD | Morgan Stanley Bank AG Germany | ROYCCAT2 | 95911022417 | Cleared derivatives cash settlement (MSESE clients) | morganstanley.com ↗ dated Oct 2025 |
| CAD | Morgan Stanley Europe SE Germany | ROYCCAT2 | 95911022417 | Cleared derivatives cash; beneficiary Morgan Stanley Bank AG (MSFFDEFXXXX) | morganstanley.com ↗ dated Oct 2025 |
| CAD | Nanyang Commercial Bank, Limited Hong Kong SAR China | ROYCCAT2 | — | inward remittances | ncb.com.hk ↗ |
| CAD | National Bank of Fujairah United Arab Emirates | ROYCCAT2 | 095912373702 | FX/MM/Derivatives/Commercial | nbf.ae ↗ dated Oct 2025 |
| CAD | Nordea Bank Abp Finland | ROYCCAT2 | 095912357168 | Commercial, FX, derivatives and money market payments | nordea.com ↗ dated 13 Oct 2025 |
| CAD | Op Corporate Bank PLC Finland | ROYCCAT2 | — | receipt of cover for commercial payments | op.fi ↗ dated May 2024 |
| CAD | Raiffeisen Bank S.A. Romania | ROYCCAT2 | — | — | raiffeisen.ro ↗ |
| CAD | Raiffeisenlandesbank Oberoesterreich, Aktiengesellschaft Austria | ROYCCAT2 | 95911411214 | Commercial and treasury payments | raiffeisen.at ↗ dated 1 Apr 2026 |
| CAD | SMBC Bank International PLC United Kingdom | ROYCCAT2 | 1452259 | Corporate banking: FX, money market, loans, trade finance, commercial payments | smbcgroup.com ↗ |
| CAD | Standard Chartered Bank (Singapore) Limited Singapore | ROYCCAT2 | — | Inward telegraphic transfers (private banking) | sc.com ↗ dated 12 May 2026 |
| CAD | State Bank of India India | ROYCCAT2 | 095911448364 | — | sbi.bank.in ↗ |
| CAD | Tatra Bank Slovakia | ROYCCAT2 | — | commercial transactions | tatrabanka.sk ↗ dated 1 May 2023 |
| CAD | The Bank of Okinawa Limited Japan | ROYCCAT2 | — | Intermediary bank for incoming payments | okinawa-bank.co.jp ↗ |
| CAD | The Kyoto Chuo Shinkin Bank Japan | ROYCCAT2 | — | Intermediary bank for incoming remittances | chushin.co.jp ↗ dated Mar 2025 |
| CAD | Unicredit Bank GMBH Germany | ROYCCAT2 | 095911167402 | FX, money market and derivatives settlement | hypovereinsbank.de ↗ dated 6 Jan 2026 |
| CAD | Unicredit Bank Hungary Zrt. Hungary | ROYCCAT2 | 095911009109 | commercial payments | unicreditbank.hu ↗ dated 5 Jan 2026 |
| CAD | Unicredit Bulbank Ad Bulgaria | ROYCCAT2 | 09591 1175496 | CP, FX, MM | unicreditbulbank.bg ↗ |
| CAD | Vseobecna Uverova Banka A.S Slovakia | ROYCCAT2 | — | — | vub.cz ↗ |
| CAD | Xiamen International Bank Co.,ltd. China | ROYCCAT2 | 09591-1004910 | — | xib.com.cn ↗ dated 1 Nov 2023 |
| CAD | Yuanta Commercial Bank CO., Ltd. Taiwan | ROYCCAT2 | — | inward remittances (SSI) | yuantabank.com.tw ↗ dated Mar 2026 |
| CAD | Zuercher Kantonalbank Switzerland | ROYCCAT2 | — | — | zkb.ch ↗ dated 12 Jan 2026 |
Each row is an account the respondent bank lists as held with this bank, as published. Only banks that publish their correspondent accounts, and that Elucidate has researched, can appear, so the list is not complete. Confirm settlement instructions with either bank before relying on them.
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| ROYCCAT2CIC | — | Calgary | INTERNATIONAL TRADE CENTRE 335 8TH AVENUE SOUTHWEST CALGARY CALGARY T2P 2N5 CANADA | — | 2020-01-23 |
| ROYCCAT2CLS | CLS NOSTRO SERVICES | Toronto | TORONTO TORONTO CANADA | — | 2020-01-23 |
| ROYCCAT2ECL | — | Toronto | PAYMENT CENTRE - TORONTO 180 WELLINGTON STREET WEST TORONTO TORONTO M5J 1J1 CANADA | — | 2020-01-23 |
| ROYCCAT2GLA | GUARANTEES | Toronto | TORONTO TORONTO CANADA | — | 2020-01-23 |
| ROYCCAT2HIC | — | Halifax | INTERNATIONAL TRADE CENTRE 5161 GEORGE STREET HALIFAX HALIFAX B3J 2L7 CANADA | — | 2020-01-23 |
| ROYCCAT2IBO | — | Toronto | TORONTO TORONTO CANADA | — | 2020-01-23 |
| ROYCCAT2MIC | — | Montreal | INTERNATIONAL TRADE CENTRE 1 PLACE VILLE MARIE MONTREAL MONTREAL CANADA | — | 2020-01-23 |
| ROYCCAT2SWA | — | Toronto | PAYMENT CENTRE - TORONTO 180 WELLINGTON STREET WEST TORONTO TORONTO M5J 1J1 CANADA | — | 2025-11-22 |
| ROYCCAT2VFS | RBC GLOBAL SERVICES, ISS | Toronto | 77 KING STREET WEST TORONTO TORONTO M5W 1P9 CANADA | — | 2020-01-23 |
| ROYCCAT2VIC | — | Vancouver | INTERNATIONAL TRADE CENTRE 1055 WEST GEORGIA STREET VANCOUVER VANCOUVER V6E 3P3 CANADA | — | 2020-01-23 |
| ROYCCAT2WIC | — | Winnipeg | INTERNATIONAL TRADE CENTRE 220 PORTAGE AVENUE WINNIPEG WINNIPEG R3C 3A6 CANADA | — | 2020-01-23 |
Claim this profile
Work at Royal Bank of Canada?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
- 01Submit Tell us who you are, using your work email.
- 02We verify We check the email domain and confirm your role with the bank. This usually takes up to five business days.
- 03Profile claimed The page is marked as claimed and verified. You can send us corrections at any time.
Claim received
Thank you. We will email your work address once the claim is verified. Until then, the page stays unclaimed.
The claim was not sent. Try again, or email contact@elucidate.co.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: Raysonho @ Open Grid Scheduler / Grid Engine · CC0 · Wikimedia Commons · original; David McKay: rbc.com (official website) · original; Jacynthe Côté: rbc.com (official website) · original; Katherine Gibson: rbc.com (official website) · original; Graeme Hepworth: rbc.com (official website) · original; Maria Douvas: rbc.com (official website) · original.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
Book a demo