Strature Exposure · a worked case · edition 28 Sep 2026

Royal Bank of Canada: one edition, read end to end.

Built from public sources and RBC’s own disclosures: 41 changes assessed in writing, ten dated in the past or within 30 days, and six more by 31 Dec 2026.

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RBC is the subject of the analysis, not a client. No endorsement by RBC is implied.

The figures

What one edition read, and what it kept.

7,607

distinct documents read

From 34,333 rows across 15 public sources. 4,219 are declared not yet judged, never counted as clean.

changes assessed in writing

Of 210 documents that reach RBC. 31 checked with every statement found in the official text.

items in the Act status

Six are rules whose dates have passed; four are comment periods closing within 30 days.

62.8%

of revenue in Canada, the heaviest weight

United States 25.8%, other international 11.3%. RBC Annual Report 2025, Note 26, p.234.

Sources and coverage: fifteen sources, and the places not yet read

Fifteen sources for RBC’s footprint: the US Federal Register, the Canada Gazette, OSFI, FINTRAC, Parliament’s bill register, CBSA customs notices, CanadaBuys tenders, EUR-Lex, UK legislation and others. One document is often returned by several searches, so 34,333 rows read become 7,607 distinct documents. Of those, 210 reach RBC, 3,196 were set aside with a reason, 4,219 are not yet judged, 8 were unreadable and 1 awaits a person; 27 laws appear twice, kept then withdrawn at writing with a reason (210 + 3,196 + 4,219 + 8 + 1 = 7,634 = 7,607 + 27). The funnel is drawn on the Method page.

Zero in a place is not zero exposure: the places not read are listed under “Elsewhere” in the live sample.

RBC is the subject of the analysis, not a client. No endorsement by RBC is implied. Figures: Strature Exposure, RBC edition of 28 Sep 2026, built from public sources. Revenue weights: RBC Annual Report 2025, Note 26, p.234.

Two exhibits

Where the revenue is, and when the rules fall due.

Each exhibit is drawn from the edition’s own tables or from RBC’s annual report, with the source printed on the plate. The funnel from 34,333 rows to six front-page items is on the Method page.

Exhibit R-2 · Bars against a datum · RBC

Canada carries 62.8% of RBC’s revenue; the United States a quarter.

Share of total revenue by geographic segment, fiscal year ended 31 October 2025. Percent.

Canada62.8%

United States25.8%

Other international11.3%

Percent of total revenue

The reading

Canada alone is more than half of the bank’s revenue, so a Canadian rule carries more weight in its exposure picture than an American one, and one from elsewhere less again.

SourceRBC Annual Report 2025, Note 26, Results by business segment, geographic segments table, Consolidated Financial Statements, p.234. How to read this plateThe outline marks the part of Canada’s share that lies above half of revenue, derived by subtraction. The accent: none. Strature

Exhibit R-3 · Items against due dates · RBC · 28 Sep 2026

Ten items are dated within 30 days or earlier; 25, over half, carry no date.

The 41 assessed items by the date in the official text, measured from the edition date, 28 Sep 2026. Count of items; scale 0 to 30.

Date passed6

Within 30 days4

31 to 180 days6

No date set25

Items assessed in writing

The reading

Six items are rules that took effect between 25 Mar and 25 Jun 2026; four are comment periods closing by 14 Oct. Six more fall due from 1 Nov to 31 Dec 2026. The official texts of 25 set no date, so they are watched.

SourceStrature Exposure, RBC edition of 28 Sep 2026: each item’s date and its kind (takes effect, comments close, compliance date), quoted from the official text. How to read this plateThe accent marks the Act status (a date passed or within 30 days); the tinted bar marks items with no date; the dashed rule is half of all 41 items. The dates are the rules’ dates, not findings about RBC. Strature

Live sample

Choose a place and a status; read the top item.

Six records from the edition, one per place and status, in the general form the site uses for a named company. The full demo holds all 41, with every filter, the coverage tables and the sources table.

Live sampleRoyal Bank of Canada · edition 28 Sep 2026

ActCanada · 62.8% of revenue (RBC Annual Report 2025, Note 26) · front page, rank 4 of 6Canada: 5 Act · 5 Prepare · 17 Watch

The regulation, as published, prohibits persons in Canada and Canadians outside Canada from providing, to a person outside Canada who is not Canadian, any services related to 100 listed shadow-fleet vessels (Canada Gazette, 8 Apr 2026).

What the rule touches. Lending, payments and cash-management screening at a bank with a commercial banking business in Canada.

Why it is in RBC’s picture. RBC’s annual report describes Commercial Banking services “ranging from lending and deposits to payments, cash management and advisory services” (RBC Annual Report 2025, p.40).

Typical owner. A bank’s sanctions compliance function · Date. Date passed: 25 Mar 2026 (took effect)

Canada Gazette, Part II, SOR/2026-61 · published 8 Apr 2026 · Sanctions and financial access · In force · Official text · checked: every statement found in the official text

PrepareCanada · 62.8% of revenue (RBC Annual Report 2025, Note 26) · front page, rank 1 of 6Canada: 5 Act · 5 Prepare · 17 Watch

OSFI’s Guideline B-12 on interest rate risk management (2027), as published, says institutions with significant gap or basis risk, or with embedded options, “should establish risk tolerances appropriate for these risks”.

What the rule touches. Interest-rate risk tolerances across a bank’s mortgage and deposit balance sheet.

Why it is in RBC’s picture. The guideline applies to banks; RBC reports its Canadian mortgage and deposit volumes in its annual report (RBC Annual Report 2025, Table 18, Personal Banking – Canada, p.39).

Typical owner. A bank’s chief risk officer · Date. 1 Nov 2026 (takes effect for institutions with an October 31 fiscal year-end)

OSFI · published 10 Sep 2026 · Regulation and standards · Adopted · Official text · checked: every statement found in the official text

WatchCanada · 62.8% of revenue (RBC Annual Report 2025, Note 26) · watch registerCanada: 5 Act · 5 Prepare · 17 Watch

OSFI’s Capital Adequacy Requirements guideline (2027), as published, says institutions using internal model-based approaches for credit, counterparty or market risk “are subject to a floor requirement that is applied to RWA”.

What the rule touches. The capital a bank using internal models holds against business lending.

Why it is in RBC’s picture. RBC reports business credit exposure, including non-bank financial institutions, in its annual report (RBC Annual Report 2025, Table 65, p.116).

Typical owner. A bank’s capital management function · Date. None set in the official text, so it is watched, not scheduled

OSFI · published 10 Sep 2026 · Regulation and standards · Adopted · Official text · checked: every statement found in the official text

ActUnited States · 25.8% of revenue (RBC Annual Report 2025, Note 26) · front page, rank 5 of 6United States: 5 Act · 1 Prepare · 8 Watch

The FDIC’s proposal on extensions of credit to insiders, as published, sets insider-credit limits for FDIC-supervised institutions: “Comments must be received on or before October 5, 2026.”

What the rule touches. Approval limits for credit to insiders at an FDIC-supervised bank.

Why it is in RBC’s picture. RBC’s annual report describes City National as a U.S.-based relationship bank within RBC (RBC Annual Report 2025, p.43). Whether City National is FDIC-supervised is not established in this edition: human review required.

Typical owner. A bank’s chief credit officer · Date. Comments close 5 Oct 2026

Federal Deposit Insurance Corporation, Federal Register · published 6 Aug 2026 · Regulation and standards · Consultation · Official text · checked: every statement found in the official text

PrepareUnited States · 25.8% of revenue (RBC Annual Report 2025, Note 26) · front page, rank 2 of 6United States: 5 Act · 1 Prepare · 8 Watch

A Fixed Income Clearing Corporation proposal, published by the SEC, would require each Netting Member to submit eligible secondary-market Treasury trades for central clearing; FICC expects to implement most of it by 31 Dec 2026.

What the rule touches. Treasury clearing arrangements at a firm that is an FICC Netting Member.

Why it is in RBC’s picture. RBC’s annual report names coverage of bank, insurance and hedge fund clients among RBC Capital Markets’ 2026 priorities (RBC Annual Report 2025, p.54). Whether any RBC entity is an FICC Netting Member is not established in this edition: human review required.

Typical owner. A capital-markets rates business · Date. 31 Dec 2026 (compliance date)

Securities and Exchange Commission, Federal Register · published 9 Jul 2026 · Regulation and standards · Proposed · Official text · checked: every statement found in the official text

WatchUnited States · 25.8% of revenue (RBC Annual Report 2025, Note 26) · watch registerUnited States: 5 Act · 1 Prepare · 8 Watch

The President continued for one year the national emergency declared in Executive Order 14105 on the advancement by countries of concern in sensitive technologies (Federal Register, 5 Aug 2026).

What the rule touches. Capital-markets mandates that involve a country of concern and sensitive technologies.

Why it is in RBC’s picture. RBC’s annual report names sponsors and private capital among RBC Capital Markets’ 2026 priorities (RBC Annual Report 2025, p.54).

Typical owner. A capital-markets coverage and compliance function · Date. None set in the official text, so it is watched, not scheduled

Executive Office of the President, Federal Register · published 5 Aug 2026 · Ownership, screening and expropriation · Adopted · Official text · checked: every statement found in the official text

Elsewherethe other places where RBC operates

No items, and printed as such: a scan of nothing is not a clean scan.

Zero here is not zero exposure. It is a coverage statement, printed per place:

Not read yet, no source connected: Barbados, Bahamas, Cayman Islands, Hong Kong, Malaysia, Singapore, Trinidad and Tobago, British Virgin Islands.
Read at EU level only, national law not read: Ireland, Luxembourg.
Read, 15 rows, no items this edition: United Kingdom.
Within Canada: Ontario’s laws site renders only in a browser and its Gazette files are closed to automated reading, so only its open data is read; Alberta and Québec have no source connected yet.

Source: RBC edition 28 Sep 2026, places table, “not monitored” reason.

The records are the edition’s, restated in the general form: what the rule says and touches, not an instruction to RBC. RBC is the subject of the analysis, not a client.

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