Royal bank of rbc desjardins Welcome to Royal Bank of Scotland. Our extensive personal banking products include bank accounts, mortgages, credit cards, loans and more. Visit today to see how we can serve you. Royal Bank of Scotland Group last issued its quarterly earnings data on February 14th, 2020. The financial services provider reported [SWITCH]

Rbc mclaughlin rbc en ligne direct McLaughlin Capital Management offers a premium level of discretionary portfolio management designed to free you from the day-to-day details of managing your wealth. This gives you the confidence to pursue your goals, knowing your investments will be managed according to the highest standards. Jan started with RBC Financial in 2003, after graduating from the University of Manitoba with a Bachelor's Degree in Arts Sociology. She joined our team in 2006 and has completed the Canadian Securities Course and Conduct and Practices Course through the Canadian Securities Institute.

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Rbc mclaughlin rbc online banking McLaughlin Capital Management offers a premium level of discretionary portfolio management designed to free you from the day-to-day details of managing your wealth. This gives you the confidence to pursue your goals, knowing your investments will be managed according to the highest standards. Jan started with RBC Financial in 2003, after graduating from the University of Manitoba with a Bachelor's Degree in Arts Sociology. She joined our team in 2006 and has completed the Canadian Securities Course and Conduct and Practices Course through the Canadian Securities Institute.

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Rbc mclaughlin rbc usa online McLaughlin Capital Management offers a premium level of discretionary portfolio management designed to free you from the day-to-day details of managing your wealth. This gives you the confidence to pursue your goals, knowing your investments will be managed according to the highest standards. Jan started with RBC Financial in 2003, after graduating from the University of Manitoba with a Bachelor's Degree in Arts Sociology. She joined our team in 2006 and has completed the Canadian Securities Course and Conduct and Practices Course through the Canadian Securities Institute.

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A routing number identifies the financial institution and the branch to which a payment item is directed. Along with the account number, it is essential for delivering payments through the clearing system. In Canada, there are two formats for routing numbers: An Electronic Fund Transactions (EFT) routing number is comprised of a three-digit financial institution number and a five-digit branch number, preceded by a "leading zero". Example : 0XXXYYYYY The electronic routing number is used for routing electronic payment items, such as direct deposits and wire transfers. MICR Numbers or widely known as Transit Numbers are used in cheques processing. It appears on the bottom of negotiable instruments such as checks identifying the financial institution on which it was drawn. A paper (MICR) routing number is comprised of a three-digit financial institution number and a five-digit branch number. It is encoded using magnetic ink on paper payment items (such as cheques). In 2018, we reported record earnings of $12.4 billion, up 8% from last year. It also illustrates the strength of our diversified business model and our disciplined approach to controlling costs, deploying capital and managing risk through the cycle. We met or exceeded all of our medium-term objectives, delivered double-digit earnings per share growth of 11%, raised our dividend by 8% and returned a further $1.5 billion of capital to shareholders through buybacks. Our financial performance demonstrates how we are building long-term client franchises and delivering a premium return on equity, even as we invest in creating the bank of the future and pursue our focused growth strategy in Canada, the U. But above all, our record performance highlights the power of our purpose to unify every colleague under the common goal of helping clients thrive and communities prosper. Over the past year, I repeatedly shared my belief that we’re at a seminal moment in our industry, a time of secular change. Social media, mobile devices and cloud computing have all contributed to the erosion of traditional walls between sectors, as consumer and business needs are being served by new entrants, both large and small. This is fundamentally altering client expectations and the way they interact with service providers. Today, as we stand on the eve of our 150th anniversary, we’re clear that what has driven our success in the past won’t guarantee that same success in the future. This is why we’re continuing to invest significantly in our digital and innovation strategies across all of our businesses, building on the strength of our market-leading assets to deliver more value to clients. For example, our world-class artificial intelligence (AI) capability is enabling us to enhance equity trading strategies for our institutional clients using Aiden and delivering automated savings and improved insights to our Canadian Banking customers through NOMI. And through our machine learning institute, Borealis AI, we’re ensuring we remain at the cutting edge of both fundamental and applied research, which will lead to many more innovative products in the future. These innovations are enabling us to deliver value for our clients, increase customer satisfaction and gain market share in Canada. In our home market, we have a significant scale advantage. We hold the number one or two position in all key banking products; are the largest wealth and asset manager and bank-owned insurer in the country; and lead in capital markets, asset services and transaction banking. Additionally, our technology leadership is allowing us to attract some of the best tech talent in the market. This is leading to superior business outcomes, improved operational efficiencies and exceptional client experiences. And with trust and security more important than ever, it’s also helping us increase our focus on cybersecurity and safeguarding our clients’ data. However, leveraging new technologies and creating an exceptional digital client experience is only one part of our strategy. We believe that in order to maintain customer relevancy and connectivity in the future, we also have to reimagine the role we play in our clients’ lives. At our June Investor Day, we unveiled a bold strategy to create new, more relevant and deeper connections with Canadians. Through RBC Ventures and our unique loyalty and rewards platform, we are engaging earlier and more frequently with Canadians, and creating services that are open to everyone – whether or not they are clients of RBC. K., Europe and Asia, we are committed to providing our clients with a truly differentiated experience tailored to their unique needs. Thanks to our market-leading position in Canada, we hold many crucial assets that others will find very difficult to replicate: our deep relationships with our clients; our scale; our secure data and AI advantage; the strength of our partnerships; and a trusted brand. We aim to further deepen our relationships with our clients, both by offering them the full strength and depth of RBC, and by delivering insights and value they can’t find elsewhere. We are hugely excited by how this can transform our Canadian banking business, and have stated a bold goal to acquire five million new relationships and grow clients up to three times our current client acquisition rate, leading to 2.5 million-plus new clients by 2023. Earnings were up 13%, as we benefitted from tailwinds, including interest rate increases, tax cuts and positive fundamentals. We hired outstanding colleagues across our platforms to accelerate our growth, and realize our aim to be the preferred partner to corporate, institutional and high net worth clients in our second home market. We are also bringing the full strength of our organization to help create a lasting positive social impact in our communities around the world, including supporting the transition to a low-carbon future and understanding the changing skills needs of young people through RBC Future Launch. I’m particularly proud of what we achieved in the U. This helped us invest in dynamic urban markets including New York, Washington D. In my conversations with youth, business leaders and community leaders, I’ve repeatedly heard how we have a collective opportunity to better harness the potential of this generation and help them prepare for and navigate a new world of work. In the past year, we have witnessed how too many people are struggling to be treated equally and with dignity in our society. Diversity and inclusion has always been a core value at RBC and we’re committed to championing inclusion as a catalyst for the change we need in society. It’s also a source of competitive advantage for us. It’s the foundation of our Leadership Model, helping us drive a bolder, more nimble culture and encouraging an entrepreneurial spirit across the whole of RBC through a talented and diverse leadership team. RBCers are continuing to rise to the challenge, driving new and innovative ideas every day. The results speak for themselves; employee engagement is at an all-time high and more than 95% of our colleagues say they are proud to be a part of RBC. For this, I would like to take this opportunity to thank my colleagues around the world. This report highlights just some of the stories that shaped our year – by serving our clients and the communities where we live and work. I continue to be inspired daily by their conviction, passion and imagination. I also want to offer a sincere thank you to the 16 million clients who continue to put their trust in RBC. As ever, I appreciate the advice and guidance from Katie Taylor and the board of directors. And to you, our shareholders, I would like to thank you for your support and reaffirm our commitment to delivering high-quality earnings growth in line with our purpose. David Mc Kay President and Chief Executive Officer Dave Mc Kay is President and CEO of RBC, Canada’s biggest bank, and one of the largest in the world based on market capitalization. Dave is credited with helping transform the bank’s retail division and introduce new technology that has enabled RBC to adapt and evolve to rapidly-changing consumer demands. Appointed President and CEO in 2014, the following year he led the acquisition of City National Corporation, creating a platform for growth with institutional, corporate and high net worth clients in the U. Dave started his career at RBC in 1988 as a computer programmer before moving to the organization’s retail banking arm. He then held progressively senior roles in Canada and Japan in retail and business banking, group risk management, and corporate banking, ultimately becoming Group Head, Personal & Commercial Banking in 2012. Dave was named ‘Retail Banker of the Year’ in 20 by Retail Banker International. An unwavering champion for Canada’s innovation ecosystem, Dave is leading RBC’s support for and partnerships with universities, start-ups and accelerators, particularly in transformational technologies such as artificial intelligence and blockchain. He is also a passionate advocate for youth, promoting the benefits of work-integrated learning and supporting the development of RBC Future Launch, a 10-year, $500 million commitment to help young people build the skills and capabilities required to succeed in a changing world. Dave holds a Bachelor of Mathematics and an honorary Doctor of Mathematics degree from the University of Waterloo. He also holds an MBA from the Richard Ivey School of Business at the University of Western Ontario and an honorary Doctor of Laws degree from Ryerson University. He serves on the Board of Trustees for the Hospital for Sick Children (Sick Kids) and is a member of the U. Financial Services Roundtable Board, the Business Council of Canada, and the Catalyst Canada Advisory Board. As Chief Financial Officer, Rod Bolger is responsible for Finance, Taxation and Performance Management and Investor Relations, Corporate Treasury, and The Law Group. He is the co-chair of the Business/Higher Education Roundtable, which harnesses the strengths of Canada’s top businesses, universities and colleges to deepen collaboration and improve opportunities for young Canadians, with a particular focus on work-integrated learning. Together with other members of Group Executive, he is responsible for setting the overall strategic direction of RBC. He earned his CPA (inactive) in the State of New Jersey in 1991. In addition, Rod chairs RBC’s Asset-Liability Committee. Bolger was Executive Vice-President Finance & Controller for RBC and was responsible for all external, board and management reporting, accounting policy, performance management, financial management systems and finance operational risk. He is married with three children and lives in Toronto, Canada. In addition, Rod had finance responsibility for Wealth Management, Insurance and Investor & Treasury Services. Bolger joined RBC bringing with him significant financial services experience from Bank of America and Citigroup. Bolger serves as Chair of Dixon Hall Neighbourhood Services, a multi-service not-for-profit agency that offers a wide range of supportive programs and services to several Toronto communities. As Chief Strategy and Corporate Development Officer, Mike is responsible for working with RBC’s Group Executive to develop RBC’s overall strategic plan as well as providing leadership for mergers and acquisitions. At Bank of America, he served as the CFO for Global Technology & Operations, Global Corporate Bank, Global Product Solutions and Premier Banking and Investments. He was a member of the Enhanced Disclosure Task Force established by the Financial Stability Board in Basel. Mike also heads RBC Ventures, a group focused on creating solutions that go beyond banking to build and deepen relationships with Canadians in new and innovative ways. At Citigroup, he was Deputy CFO and Controller for the domestic retail bank, and head corporate accounting policy for mergers, acquisitions and divestitures, globally. He is a graduate of Georgetown University in Washington, D. Mike chairs RBC’s Innovation Council that, in addition to overseeing investments in strategic partnerships, has responsibility for coordinating RBC’s Innovation Labs that focus on research and the development of advanced capabilities in the areas of data, security and client experience. S., a director of City National Bank and is responsible for RBC’s auto finance business. where he served as Executive Vice President, Consumer Banking Segment. Prior to that, he spent over a decade with Pricewaterhouse Coopers in the U. As a member of Group Executive, Mike is one of nine executives responsible for setting the overall strategic direction of RBC. strategy where he led both the acquisition and integration of City National Bank – RBC’s largest ever acquisition. Mike also held executive positions with Charter One Bank and Citibank during his 25 year career. Mike and his family are active supporters and fundraisers for WE and other local charities. Prior to this position, Mike served as Executive Vice President of Personal Financing Products, RBC’s largest banking segment. Mike also sits on the board of directors for Futurpreneur Canada. Mike, his wife Nikki and their two sons live in Toronto. Helena Gottschling is RBC’s Chief Human Resources Officer (CHRO) with global responsibility for Human Resources. Together with other members of Group Executive, Helena is responsible for setting the overall strategic direction of RBC – extending to over 80,000 employees in 37 countries. Helena joined RBC in 1985, holding progressively senior roles in Retail Banking, Human Resources and National Office, which included positions in Vancouver, Calgary and Toronto. She re-joined Human Resources in 2006 and held a number of executive roles before being appointed CHRO in 2017. Prior to her current role, Helena was Senior Vice President, Human Resources, responsible for executive and high potential talent management, including leadership development and succession planning. She was also accountable for RBC’s enterprise learning function and organizational effectiveness centre of expertise for change management and organizational design. In addition, Helena led the Human Resources business partner teams supporting Technology & Operations and Global Functions. In her 32 years with RBC, Helena has distinguished herself as a trusted advisor, a change champion, and a devoted employee advocate – leadership qualities that help to unlock the potential of RBCers and strengthen our brand as a top employer of choice on a global scale. Helena was a co-chair of RBC’s record-breaking 2016 National Employee Giving Campaign, inspiring employees to go above and beyond in their personal donations to help Canadian communities prosper. She has been a longtime supporter of the Juvenile Diabetes Research Foundation Ride for Research and is a past board member of The Mosaic Institute. Helena holds a Bachelor of Business Administration degree from Simon Fraser University in Vancouver, British Columbia. Helena is married with one son and lives in Oakville, Ontario, Canada. As Group Head, RBC Wealth Management & RBC Insurance, Doug Guzman leads the RBC businesses that serve the wealth management needs of affluent and high net worth clients globally, and teams that provide asset management and trust products. He also oversees RBC Insurance, which provides a wide range of travel, life, health, home, auto, wealth and reinsurance products and solutions, as well as creditor and business insurance services, to individual, business and group clients. In addition, along with other members of Group Executive, Mr. He had senior client coverage responsibility for a number of RBC Capital Markets’ most important clients and was a member of the firm’s Operating Committee and Loan Commitments Committee. Guzman is responsible for setting the overall strategic direction of RBC. Guzman also holds the role of Deputy Chair, RBC Capital Markets, where he continues to act as the lead relationship manager with a select number of key clients. Guzman was Managing Director and Head of Global Investment Banking, RBC Capital Markets, responsible for the firm’s Investment Banking teams globally, as well as U. Before joining RBC in 2005, he was a Managing Director at Goldman Sachs in New York and Toronto, where he had co-head responsibility for each of the Global Metals and Mining and the Canadian Investment Banking businesses. Michael’s Hospital and the Advisory Board of Ivey Business School at Western University. Guzman has an HBA from Ivey and an MBA with high distinction (Baker Scholar) from Harvard Business School. He is married with two children and lives in Toronto, Canada. As Chief Risk Officer, Graeme oversees the strategic management of risk on an enterprise-wide basis. He is a member of Group Executive, which sets the overall strategic direction of RBC. Graeme joined RBC in 1997 as an analyst in Group Risk Management, focusing on foreign exchange products. In 2001, he took on the role of Vice President for GRM’s Portfolio Management team focused on loan portfolio risk analysis, economic capital and policy. Graeme moved to New York in 2004 to become Head of Market Risk for the Capital Markets trading businesses in the U. In 2011, Graeme move to London to take on the role as Chief Risk Officer for Europe & Asia. Most recently, Graeme was EVP, Retail & Commercial Credit Risk, where he led a number of teams that provide the primary risk management support to RBC’s Insurance, Wealth Management and Personal and Commercial Banking (P&CB) businesses. Graeme is a qualified Chartered Financial Analyst and has a Masters in Mathematics from the University of Waterloo. Doug Mc Gregor is Group Head, RBC Capital Markets and RBC Investor & Treasury Services, Chairman and CEO of RBC Capital Markets, and is a member of RBC’s Group Executive. As Chairman and CEO of RBC Capital Markets, Doug has global oversight of the firm’s Corporate & Investment Banking and Global Markets activities conducted by its approximately 7,500 employees worldwide. He also directly leads the investment bank’s real estate lending businesses. As Group Head of RBC Investor & Treasury Services, Doug is responsible for this business’ custody, treasury and financing services for institutional clients globally. Doug began his career in corporate finance and then institutional equity sales at Pitfield Mackay Ross Ltd. In 1983, he became a real estate investment banker with Marcil Trust, which was later acquired by RBC Capital Markets in 1990. Doug holds an Honours BA (Business) and an MBA from the University of Western Ontario. While at university, his accomplishments as an athlete earned him the Purple Blanket for achievement in wrestling at the national level and induction into the “W” Club Hall of Fame. In 2016, Doug was recognized by Saint Mary’s University in Halifax, Nova Scotia with an Honorary Doctor of Commerce degree for his accomplishments in the financial services industry, contributions to the community and support for advanced learning. An involved community member, Doug serves on the University Health Network’s Board of Trustees in Toronto and is a former Chairman of the Board of Directors of the Investment Industry Regulatory Organization of Canada. He is an active fundraiser for The United Way and for Ingles House, a home for young women recovering from addiction, and its parent organization, LOFT Community Services. As Group Head, Personal & Commercial Banking, Neil Mc Laughlin is responsible for RBC’s banking businesses in Canada and the Caribbean, including personal and commercial financial services, credit cards and payments, digital solutions, as well as RBC’s sales and branch distribution, operations and advice centres. Together with other members of Group Executive, Mr. Mc Laughlin is responsible for setting the overall strategic direction of RBC. Immediately prior to this position, as Executive Vice President, Business Financial Services for RBC’s Canadian Banking division, Neil was responsible for setting the strategic direction and leading all lines of business that serve small business and commercial clients through an extensive business banking network. Neil joined RBC in 1998 and has held a wide range of senior management and executive positions within Canadian Banking, including roles in the Credit Card and Personal Lending lines of businesses and distribution and operations. As well, Neil was Senior Vice President Marketing & Channel Strategy, responsible for leading Brand, Marketing, Advertising and Sponsorship, with direct accountability for digital channels, the physical distribution network, client knowledge and insights and the client information management team. He also served as Senior Vice President, Risk Operations within Canadian Banking Operations, responsible for credit adjudication, fraud, collections, operational risk and the Commercial Advisory Group. Neil holds a Bachelors of Commerce degree and an MBA. He lives in Toronto with his wife and their two children and currently serves on the board of the Children’s Wish Foundation, Ontario Chapter. As Group Head, Technology & Operations, RBC, Bruce Ross is responsible for the strategy and overall management of global technology and operations for RBC, which includes applications development, infrastructure and enterprise operations. In addition, as a member of Group Executive, he is one of nine executives responsible for setting the overall strategic direction of RBC. Bruce is a seasoned executive with more than 28 years of technology and business experience. Prior to joining RBC, he was the General Manager, Global Technology Services, North America at IBM. He was a member of IBM’s Performance Team setting the operational direction of the corporation. He was also a member of IBM’s Strategy Team which set the long term direction for the business including its investments in emerging markets, Cloud, and Analytics. His prior roles included General Manager, Global Technology Services, Europe for IBM, General Manager and President, IBM Canada, General Manager, Global Technology Services UK, Ireland, and South Africa. Bruce’s areas of responsibility have included providing thought leadership and services to financial institutions globally. Bruce is active in a number of business and community organizations in Canada, serving as a Board Member for both the International Board of Advisors as well as the University of Western Ontario. He is also a member of the 2017 Toronto & York Region United Way Campaign Cabinet. In recent years, he served as the Chair of the Ontario Brain Institute Liaison Council. He also sat on the Board of Directors of the Conference Board of Canada, and was a member of the Canadian Council of Chief Executives. Bruce is a professional engineer and a graduate of the University of Western Ontario. He is married with two children and lives in Toronto, Canada. As RBC’s Chief Administrative Officer Jennifer Tory has responsibility for Brand, Citizenship, Communications, Procurement and Real Estate functions globally. Additionally, she provides leadership and oversight of transformational initiatives, with a particular focus on how the enterprise works together to further RBC’s success. Along with other members of Group Executive, Jennifer is responsible for setting the overall strategic direction of RBC. Prior to her current role, Jennifer was Group Head, Personal & Commercial Banking responsible for RBC’s banking businesses in Canada and the Caribbean, including personal and financial services, credit cards and payments, digital solutions, as well as RBC’s sales and branch distribution, operations and advice centres. During her career, Jennifer has held successively senior leadership roles including Senior Vice President Sales Effectiveness, Senior Vice President Operations, and Regional President, Greater Toronto Region. Awarded the Queen’s Jubilee Medal in 2012, Jennifer has a long history of supporting numerous community causes. She is Chair, Toronto International Film Festival Board and sits on the Sunnybrook Hospital Foundation Board; Jennifer is also a fundraiser for several other charitable organizations including WE (formerly Free the Children) and United Way. A recipient of the 2011 Catalyst Canada Honour for championing women in business, Jennifer has been recognized by Women’s Executive Network (WXN) as one of Canada’s Most Powerful Women: Top 100 and was inducted into the WXN Hall of Fame in 2017. D designation through the Institute of Corporate Directors at the Rotman School of Management. Dear fellow shareholders, Opportunities and challenges in the financial services industry continue to abound, as businesses face disruption from changing customer expectations, new sources of competition and rapidly-emerging technologies. She has been acknowledged both internally and externally for her leadership in diversity and received a number of awards, including a Harry Jerome Award in 2013 and the Leading Executive Ally Award by Start Proud (formerly Out on Bay) in 2016. Your board plays a critical role in providing oversight and stewardship of RBC’s strategic direction, helping to innovate, grow and build the bank of the future. We provide guidance to management as they invest in areas of strategic growth, while continually assessing whether those plans are effectively balanced with the bank’s risk appetite. Our record financial results in 2018 reflect that focus, and reinforce RBC’s ability to achieve our medium-term objectives. Of course, people are the cornerstone of our continued success. As part of our focus on talent management, the board takes a comprehensive approach to succession planning for senior executive positions. In line with the bank’s value of diversity and inclusion, we also ensure that this talent pipeline includes the wide variety of experiences, perspectives and backgrounds required to successfully lead RBC into the future. The board also collaborates closely with management to set the tone and promote an open and transparent culture that influences RBC at every level, both within the organization as well as externally in our relationships with clients, community partners and other stakeholders. In particular, we encourage employees to speak up and challenge behaviour that does not align with our values. Not only is this the right thing to do, but it is a critical way to protect and enhance the reputation of RBC and ensure we achieve the bank’s vision of being one of the world’s most trusted financial institutions. The board believes strongly that achieving sustainable growth goes beyond generating profits, and that RBC has an important role to play as a corporate citizen that is fully involved in each of the communities where we do business. Specifically, we recognize that climate change is the most pressing issue of our age, and we oversee the bank’s enterprise-wide approach to accelerating clean economic growth and supporting the transition to a low-carbon economy. In 2018, we were pleased to have been recognized for our governance efforts with two awards from Governance Professionals of Canada: the Best Overall Corporate Governance award and the Best Practices to Enhance Boardroom Diversity award. Mc Cain David Mc Kay Heather Munroe-Blum Kathleen Taylor Bridget A. This is a validation of our commitment to good governance, including our focus on engaging with clients, communities and investors, which is an integral part of ensuring the bank’s continuing success. It also highlights our strong determination to increase diverse representation both within RBC and at the board level. On behalf of the entire board, I would like to thank Dave Mc Kay and his leadership team for their continued dedication to RBC’s clients, colleagues and communities. We would also like to thank each and every RBC employee for their unwavering commitment to RBC’s purpose of helping clients thrive and communities prosper. Rbc mclaughlin rbc en direct en ligne McLaughlin Capital Management offers a premium level of discretionary portfolio management designed to free you from the day-to-day details of managing your wealth. This gives you the confidence to pursue your goals, knowing your investments will be managed according to the highest standards. Jan started with RBC Financial in 2003, after graduating from the University of Manitoba with a Bachelor's Degree in Arts Sociology. She joined our team in 2006 and has completed the Canadian Securities Course and Conduct and Practices Course through the Canadian Securities Institute. Routing Number is used in Canada to identify the bank and the branch to which the payment is directed. Routing number for Royal Bank of Canada (RBC) have two formats:1. Paper Transaction Routing Number: Routing transit number for paper items (or MICR-encoded items) is in the format of XXXXX-YYY which is comprised of a five-digit branch transit number (XXXXX) and a three-digit financial institution number (YYY).2. Electronic Payments Routing Number: It's a 9 digit number which starts with 0 used for electronic fund transactions. If paper routing is XXXXX-YYY, then EFT routing number will be 0YYYXXXXX. Miss-Mavis & Matheson Br Miss-Winston Churchill & Hazelton Br Britannia & Glen Erin Branch Eglinton & Creditview Branch Miss-Dundas & Erindale Station Br Clarkson Branch Cooksville Branch Dundas & Dixie Branch IRP-Kingston / Rideau LKSIRP-Central-H/P/O-Lambton/Kent IRP-North Bay/Barrie/Muskoka MS MARKHAM / AJAX /PICKERINGIPR Hamilton/Stoney Creek/Halton IRP Toronto North IRP Markham/MAPIRP Scarb/East York/Beaches Sheridan Park Branch Derry & Mclaughlin Rd Branch Royal Direct BCC access - Ontario Miss SD Credit ADJ Dealer Fin-BCPCLakeshore & Hurontario Branch Dundas & Mattawa Branch Comml Mkts-Mississauga (Mail Trans)Central Customer Service Group Bank of Montreal (1613) Bank of Nova Scotia (2185) Canadian Imperial Bank of Commerce (CIBC) (2114) CENTRAL 1 CREDIT UNION (1182) CREDIT UNION CENTRAL ALBERTA LIMITED (372) CREDIT UNION CENTRAL OF MANITOBA (224) CREDIT UNION CENTRAL OF SASKATCHEWAN (356) FEDERATION DES CAISSES DESJ. Routing Number is used in Canada to identify the bank and the branch to which the payment is directed. Routing number for Royal Bank of Canada (RBC) have two formats:1. Paper Transaction Routing Number: Routing transit number for paper items (or MICR-encoded items) is in the format of XXXXX-YYY which is comprised of a five-digit branch transit number (XXXXX) and a three-digit financial institution number (YYY).2. Electronic Payments Routing Number: It's a 9 digit number which starts with 0 used for electronic fund transactions. If paper routing is XXXXX-YYY, then EFT routing number will be 0YYYXXXXX. Brampton-Castlemore Rd & Mc Vean Dr BChinguacousy & Charolais Branch Bramalea & Orenda Br Main Br - Brampton Queen & Kennedy Branch Brampton Shopping Centre Branch Sunny Meadow & Bovaird Branch Brampton-Hwy 50 & Ebenezer Branch Brampton-Airport & Queen Branch Bramalea City Centre Branch Brampton-Mayfield & Highway 10 Br Brampton-Miss Rd & Williams Pkwy Br Creditview & Sandalwood Branch Mountainash & Bovaird Branch RT-Main Br-Brampton Heart Lake Plaza Branch Hwy 10 & County Court Branch Mc Laughlin & Bovaird West Br Bank of Montreal (1613) Bank of Nova Scotia (2185) Canadian Imperial Bank of Commerce (CIBC) (2114) CENTRAL 1 CREDIT UNION (1182) CREDIT UNION CENTRAL ALBERTA LIMITED (372) CREDIT UNION CENTRAL OF MANITOBA (224) CREDIT UNION CENTRAL OF SASKATCHEWAN (356) FEDERATION DES CAISSES DESJ.


As Group Head, Personal & Commercial Banking, Neil Mc Laughlin is responsible for RBC’s banking businesses in Canada and the Caribbean, including personal and commercial financial services, credit cards and payments, digital solutions, as well as RBC’s sales and branch distribution, operations and advice centres. Together with other members of Group Executive, Mr. Mc Laughlin is responsible for setting the overall strategic direction of RBC. Immediately prior to this position, as Executive Vice President, Business Financial Services for RBC’s Canadian Banking division, Neil was responsible for setting the strategic direction and leading all lines of business that serve small business and commercial clients through an extensive business banking network. Neil joined RBC in 1998 and has held a wide range of senior management and executive positions within Canadian Banking, including roles in the Credit Card and Personal Lending lines of businesses and distribution and operations. As well, Neil was Senior Vice President Marketing & Channel Strategy, responsible for leading Brand, Marketing, Advertising and Sponsorship, with direct accountability for digital channels, the physical distribution network, client knowledge and insights and the client information management team. He also served as Senior Vice President, Risk Operations within Canadian Banking Operations, responsible for credit adjudication, fraud, collections, operational risk and the Commercial Advisory Group. In 2020, Neil was appointed Chair of the Canadian Bankers Association’s Executive Council and currently serves on the board of the Children’s Wish Foundation, Ontario Chapter. He holds a Bachelors of Commerce degree and an MBA and lives in Toronto with his wife and their two children. Born in Oshawa, Ontario, to parents Frank Mc Laughlin and Frankie L. Earle Mc Laughlin graduated with the gold medal in commerce from Queen's University and joined the Royal Bank of Canada in 1936. In 1960, at an age considered very young at the time, 45-year-old Mc Laughlin was appointed the bank's general manager and then shortly thereafter, president. In addition to the Royal Bank, Mc Laughlin served on the board of directors of a number of corporations including Canadian Pacific Railway, Algoma Steel, Metropolitan Life and General Motors (a board which he was appointed to after the retirement of Sam Mc Laughlin, his first cousin once removed). He was a member of the board of governors of the Royal Victoria Hospital and the Council of the Montreal Museum of Fine Arts. Following his retirement from banking, he served as chancellor of Concordia University (1982–1986) and was a trustee of Queen's University who awarded him their alumni John B. Mc Laughlin died in Montreal in 1991 and buried at Mont Royal Cemetery. Earle Mc Laughlin was made an Officer of the Order of Canada in 1981. His grandson, Kevin Mc Laughlin, now continues the family automotive tradition with Auto Share. Rbc mclaughlin rbc portobello Whatever you need, RBC Royal Bank has a wide range of personal banking products, services and tools to help you manage your finances, save for retirement, buy a home and much more. RBC Wealth Management – U. S. "Having a basic understanding of how money, investing and our broader financial system works is critical in our society today. Yet there is a growing realization, particularly in the wake of the last financial crisis, that many people don't understand budgeting, investing or how simple financial products like. McLaughlin Capital Management offers a premium level of discretionary portfolio management designed to free you from the day-to-day details of managing your wealth. This gives you the confidence to pursue your goals, knowing your investments will be managed according to the highest standards. Canada’s biggest bank sees the decision to tweak the mortgage stress tests as having a relatively small effect on would-be homeowners who are still dealing with a housing market saddled with a lack of supply. The Royal Bank of Canada’s group head of personal and commercial banking Neil Mc Laughlin said Friday they see the federal government’s announcement earlier this week of a new floor for the minimum qualifying rates for borrowers as “having quite a minimal impact.”That new floor is set to come into effect for both insured and uninsured mortgage stress tests on April 6.“Our analysis so far looks like it would be about 25 to 30 basis points reduction in the qualifying rate,” Mc Laughlin said during a conference call with analysts. “That’ll really translate into a fairly small increase in purchasing power for the average borrower, probably in the neighborhood of about $20,000, $25,000 on an average mortgage.” RBC’s real interest, along with some of the other big banks, lies in the constraints on housing supply.“With household demand being supported by economic and population growth, including immigration, we would support measures to address an increasingly limited housing supply,” said Dave Mc Kay, RBC’s president and chief executive. The comments from Mc Kay came after Toronto-based RBC reported net income of $3.5 billion for the three months ended Jan. 31, an increase of 11 per cent from a year earlier. Adjusted earnings per share were $2.44 for RBC’s first quarter, up 11 per cent year-over-year and above the analyst consensus of $2.30. RBC’s quarter was helped by the recent resurgence of the Canadian housing sector, with Mc Kay saying on the call that they continue to see the market strengthen in Toronto, in addition to seeing signs of recovery in Vancouver and high levels of activity in Montreal and Ottawa. In personal and commercial banking, RBC reported net income of almost $1.7 billion for the first quarter, an increase of seven per cent over the same quarter a year earlier. The unit saw average loan growth of seven per cent, which the bank said reflected increasing residential mortgages and deposits in Canadian banking. Even with the upswing in housing activity, the federal government said the tweaks to the stress tests are necessary to make them more in line with actual market conditions. At the same time, however, more people are still searching that market for homes, and there is only so much supply to go around. This could create anxiety for would-be buyers and put pressure on prices.“I think the lack of supply in the major urban markets is still the real focus for where the policy needs to go,” Mc Laughlin said. Stress tests, however, are aimed at demand, not supply. And the Canadian Imperial Bank of Commerce’s Benjamin Tal predicted Friday in a report that the changes would buy the median household in Canada another $13,500 of house, or a boost of less than three per cent to their purchasing power. It is, according to Tal, “becoming more and more apparent that, short of drastic measures, it’s impossible to fight supply issues with demand tools.”“Increased supply (rental or otherwise) is the only reasonable solution to the housing affordability crisis that many Canadians are facing,” the economist added. Outside of the housing market, RBC said its latest results were driven by an especially strong showing from its investment bank. The capital-markets business saw net income increase to $882 million for the quarter, up 35 per cent from a year earlier, when investors were grappling with concerns around interest rates and slowing economic growth. And although Canadian banks have faced a “normalization” of credit recently, the amount of money RBC had to set aside for bad loans declined for the quarter as well, with provisions for credit losses falling to $419 million. This was down from $499 million in the previous quarter and from $514 million a year earlier, when the bank was hit hard by a provision connected to a single utilities account. RBC also saw strong growth out of the United States for the first quarter, where its earnings rose about 37 per cent from a year earlier, to $705 million. Mc Kay said increasing deposits is now “of paramount importance,” and that the lender would likely launch a direct-to-consumer bank in the U. at some point late this year or early next that would focus on higher-net-worth customers. But market conditions may not be as rosy for next quarter’s results, given the outbreak of the new coronavirus in China and rail blockades in Canada (the latter of which began after the end of RBC’s first quarter). Mc Kay said RBC has limited direct exposure to the regions hit hardest by the virus, but said the uncertainty related to the outbreak is “reigniting downside risk to the global economic outlook, given the potential for disruption to global supply chains.”The bank announced a three-cent increase to its quarterly dividend on Friday as well, raising it to $1.08 per share. RBC is the first of the Big Six banks to report this earnings season. The other five members will report their first-quarter results next week. Financial Post• Email: gzochodne@| Twitter: Geoff Zochodne Postmedia is committed to maintaining a lively but civil forum for discussion and encourage all readers to share their views on our articles. Comments may take up to an hour for moderation before appearing on the site. We ask you to keep your comments relevant and respectful. 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