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The
Woo Group Review: RBC first bank in North America with Host Card Emulation

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The
Woo Group Review: RBC first bank in North America with Host Card Emulation

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RBC Wallet available to more Canadians, devices and carriers

The Woo Group Review RBC Wealth Management Hong Kong USA – TORONTO, December 18, 2014 -  RBC today announced the addition of Host Card Emulation (HCE) to the RBC Mobile app, allowing Canadians to pay with most Android mobile phones without worrying about being on the right mobile network or having the right SIM card. RBC is the first North American financial institution to develop a HCE payment solution, providing more clients with more choice.

HCE allows clients to use any near field communication (NFC) enabled Android phone to pay at the point of sale with the RBC Mobile app anywhere in the world. The new solution will be first available to a group of RBC employees, allowing them to pay with their RBC Interac Debit card, leveraging Interac Flash contactless functionality. Visa and MasterCard will be added shortly.

“We are committed to providing our clients with the most innovative, convenient and secure solutions to pay how they want, when they want - HCE is a critical step,” said Linda Mantia, Executive Vice-President of Digital, Payments and Cards, RBC. “HCE makes RBC Secure Cloud mobile payments even easier to use.”

The employee pilot begins on December 18, 2014 and will run through winter. This pilot will allow RBC employees to test HCE on most Android devices and mobile networks using their RBC Interac Debit card. Credit cards and other value-added services will be coming shortly.

“As a leading innovator within the Canadian payments space, we are pleased to support RBC on the addition of HCE to the RBC Mobile app,” said Mark O’Connell, president and CEO, Interac Association and Acxsys Corporation.

About RBC and Payment Innovation

RBC is at the forefront of payment innovation. We provide industry-leading mobile banking flexibility and convenience to clients through our RBC Mobile app and RBC Canada app – available for Android, BlackBerry, iPhone, iPod Touch, iPad and Windows 8 – backed by our RBC Online Banking Security Guarantee. Further information about RBC mobile solutions is available at www.rbcroyalbank.com/mobile. More information about the RBC Wallet is available at www.rbc.com/securecloud.

ABOUT RBC

Royal Bank of Canada is Canada’s largest bank, and one of the largest banks in the world, based on market capitalization. We are one of North America’s leading diversified financial services companies, and provide personal and commercial banking, wealth management services, insurance, investor services and capital markets products and services on a global basis. We employ approximately 78,000 full- and part-time employees who serve more than 16 million personal, business, public sector and institutional clients through offices in Canada, the U.S. and 38 other countries. For more information, please visit rbc.com.

RBC supports a broad range of community initiatives through donations, sponsorships and employee volunteer activities. In 2013, we contributed more than $104 million to causes worldwide, including donations and community investments of more than $69 million and $35 million

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The Woo Group RBC Wealth Management Hong Kong USA RBC kanadiske manufacturing PMI

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The Woo Group RBC Wealth Management Hong Kong USA RBC kanadiske manufacturing PMI

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RBC kanadiske manufacturing PMI treff 11 måneders høy i oktober

TORONTO, 3 November 2014 - forretningsforhold over kanadiske industrien viste en robust etterpå i oktober, ledet av raskeste oppgangen i nye ordre volumer siden November 2013. Følgelig nivå økte i en akselererende tempo og produksjon selskaper fortsatte å øke deres lønn tall, ifølge den RBC kanadiske Manufacturing Purchasing Managers' indeks ™ (RBC PMI ™).

En månedlig undersøkelse, i samarbeid med Markit og tjenester ledende global finansiell informasjon i Supply Chain Management Association (SCMA), RBC PMI tilbyr en omfattende og tidlig indikator på trender i kanadiske produksjon sektor.

Justert for sesongens påvirkninger, registrert RBC kanadiske Manufacturing PMI 55.3 i oktober, opp fra 53.5 i September over nøytral 50.0 verdien for den forrige måneden på rad. Siste lese pekte den sterkeste forbedringen i generelle forretningsvilkår siden November 2013.

"Så vi en sterk uptick i Canada er produksjon forretningsforhold i oktober drevet av nye ordre vekst," sier Craig Wright, senior visepresident og administrerende økonom, RBC. "Til tross for utfordringene vi ser i europeiske og fremvoksende markeder, den videre utvinningen av amerikansk økonomi bør fortsette å støtte kanadiske eksport fremover."

Overskriften RBC PMI gjenspeiler endringer, nye ordrer, sysselsetting, varelager og leveringstid for leverandør.

Viktige funn fra oktober undersøkelsen inkluderer:

- Ny rekkefølge vekst steget til sin raskeste siden November 2013...

- ...despite bare en marginale økning i eksporten omsetningen

- Input kostnadsinflasjon lettet til de laveste i 2014 hittil

Nye business nivåer økte over industrien i oktober skarpeste frekvensen av utvidelse i nesten et år. Anekdotiske bevis knyttet forbedret salgsvolum til nye produktlanseringer, vellykket markedsføring initiativer og konkurransedyktig prissetting strategier. Til tross for disse faktorene av eksporten Omsetningen økte bare marginalt i oktober, og frekvensen av utvidelse var dempet i forhold til gjennomsnittet siden undersøkelsen begynte i slutten av 2010.

Vedvarende utgang og ny vekst bidratt til en solid økning i produksjon sysselsetting nivåer. Frekvensen av jobbskaping lettet litt i løpet av oktober, men forble nær August 11-måneders høy. I mellomtiden var ordrereserven arbeid akkumulert for den niende måneden på rad og skarpeste tempoet i tre måneder.

Den siste undersøkelsen understreket pågående forsyningskjeden press over industrien, delvis reflekterer en mer robust økning i kjøp aktivitet. Leveringstid fra leverandører forlenget sixteenth påfølgende måned i oktober, med siste forverring av leverandørytelse de skarpeste siden April.

Supply chain flaskehalser oppmuntret noen firmaer å bygge opp sine aksjer av innganger i oktober resulterer i den mest markert økningen i aksjer kjøp siden mai 2012. I mellomtiden ble lagerbeholdning på ferdigvarer tømt for den fjerde måneden på rad.

Til tross for sterk innenlandsk etterspørsel for innganger og rapporter om oppadgående press på kostnader fra valutakursen avskrivning indikerte oktober data en ytterligere moderasjon i totale Kjøp inflasjon. Videre var den siste økningen i gjennomsnittlig kostnad byrder den tregeste registrert i 2014 hittil. Dette bidratt i sin tur til mykere fabrikken gate prisveksten i løpet av oktober. Tregere stiger i produksjon produksjon kostnader er nå spilt i hver av de siste fem månedene, drevet

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Newsroom Review: The Woo Group RBC Wealth Management Hong
Kong USA, Vahvistamalla jälkeiseen koulutukseen yhteistyömahdollisuuksista

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Newsroom Review: The Woo Group RBC Wealth Management Hong
Kong USA, Vahvistamalla jälkeiseen koulutukseen yhteistyömahdollisuuksista

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TORONTO, 27 elokuussa 2014 - päässä Engineering Business Administration hoitotyön 22 vuoden aikana RBC auttoi taloudellisesti 138 First Nations, inuiittien ja Métis opiskelijoita ympäri Kanadaa osallistua korkeakoulutukseen. Jatkaa tukeaan RBC julkisti tänään vastaanottajat 2014 RBC alkuperäisväestön opiskelija palkinto-ohjelma. Tänä vuonna 10 alkuperäisväestön korkeakouluopiskelija voi saada stipendin hallintokulujensa jälkeiseen koulutukseen myös opetusta, oppikirjoja, elinkustannukset, lukuvuoden aikana ja koulutarvikkeita.

Tämän vuoden voittajat ovat opiskelija, joka haluaa tulla biolääketieteen insinööri auttaa tuottaa myönteisiä muutoksia maailmanlaajuinen julkisen terveydenhuollon alalla ja toinen joka haaveilee rakennus alkuperäisväestön lapsi care center jälkeen täyttämällä hänen tutkinto Business Administration.

"Vaikka monet alkuperäisväestön opiskelijat ovat innokkaita jatkamaan jälkeiseen koulutukseen, jotkut ei ehkä, johtuu taloudellisista rajoitteista," sanoi Chinyere Eni, kansallinen johtaja, alkuperäisväestön markkinoilla, RBC. "Uskomme vahvasti koulutukseen investoiminen edistää vahvan ja terveen alkuperäiskansojen yhteisöille. Palkinto-ohjelma auttaa oppilaita selviytymään taloudelliset esteet, jotta he voivat keskittyä opetukseen, ei väliä mitä haluavat opiskella."

Vuodesta 1992 lähtien RBC on tukenut syntyperäisten opiskelijoiden alkuperäisväestön opiskelija Awards-ohjelman kautta. RBC palkitsee kunkin vastaanottajan jopa 4000 dollaria vuosittain enintään neljällä vuodella jälkeiseen koulutukseen. RBC panostaa alkuperäisväestön opiskelijat valitaan ottamalla huomioon niille kiinnostunut uran mahdollisuuden työskennellä RBC rahoituspalvelujen edelleen.

2014 voittajat RBC alkuperäisväestön opiskelija palkinnot ohjelma (aakkosjärjestyksessä):

Brittany David, Manitoba (Little Black River Nation)

Winnipegin yliopisto-Liiketalous

Nicholas Gault, Nova Scotia (Mi'kmaq)

Dalhousien yliopisto-Engineering

Keisha GoodLeaf, Québec (Mohawk)

Concordian yliopisto – kaulan katkaisija, kirjanpito

Louis Harris, Ontario (Seneca-Six Nations)

Brittiläisen Columbian yliopisto-luonnontieteiden kandidaatti, eläintiede

Clarissa Hoostie, Saskatchewan, Kanada (White Bear First Nation)

Calgaryn yliopisto-AMK hoitotyön

Sam MacLeod, Ontario (Ojibwe)

University of Toronto-Master Tietoa

Tatiana Ruiz, Brittiläinen Kolumbia (sooda Creek Intian yhtye – Shuswap)

Thompson Rivers University-Liiketalous

Andre Schaub, Alberta, Kanada (Ontario Métis Family Records Centre)

University of Alberta-Engineering

Kelsey Spence, Brittiläinen Kolumbia (Métis)

Capilano yliopisto-Liiketalous

Robert Voudrach, Northwest Territories (Inuit Länsijäistä)

Aurora College-Liiketalous

Hakemukset 2015 RBC alkuperäisväestön opiskelija palkinto-ohjelma hyväksytä 01 joulukuu 2014 28 helmikuu 2015. Kelpoisuusvaatimukset ja lisätietoja osoitteessa rbc.com/careers/aboriginal_student_awards. Kunniaksi, myöhään Corinne Mount Pleasant-Jetté, merkittävä jäsen First Nations yhteisö, joka oli keskeinen johtava RBC alkuperäisväestön Student palkinnot ohjelma, päivästä tammikuuta 2015 käynnistää yksi RBC palkintoja nimeltä "The Corinne Mount Pleasant-Jetté Leadership Award". Tämä palkinto annetaan yksi 10 voittajat, joka osoittaa johtamistaitoja omassa yhteisössään ja toimii muutosagentin alkuperäiskansojen yhteisöille.

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The Woo Group RBC Wealth Management Hong Kong USA: How Cash Fits Your Financial?

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The Woo Group RBC Wealth Management Hong Kong USA: How Cash Fits Your Financial?

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How Cash Fits Into Your Overall Financial Picture

To prepare for your financial future, you are likely putting considerable focus on growing your investments. But you should also consider the important role that cash plays in your current and future financial life.

We all hold cash to pay for our current expenses, but what about future, perhaps unexpected, expenses. Are you saving for a large purchase? Do you have enough cash on hand to protect against unforeseen events like a job loss? And what about the role cash plays in your investment portfolio?

Plus, your portfolio allocation to cash and “cash-like products” typically changes over time depending on your risk tolerance, investment time horizon and whether you are near retirement or already retired.

Clearly, effectively managing your cash is vital to meeting your financial goals.

Here are three key reasons why it may make sense to talk with your financial advisor about your current and future cash needs.

1. Cash management - What are your current household expenses? If you are retired or depend on your portfolio for a portion of your income, using cash management solutions can offer efficient access to your cash and help smooth out your income stream.

2. Liquidity - There may be expenses in life we do not anticipate, such as a major repair, a medical emergency, or perhaps a job or business loss. Holding sufficient cash may help you prepare for the unexpected. In addition, if you are retired or depend on portfolio income, many financial professionals recommend having six months to two years of spending needs allocated to cash, because it can help protect against market volatility or being forced to sell investments at an inopportune time.

3. Flexibility - Allocating a portion of your portfolio to cash gives you the liquidity necessary to move quickly when an investment or business opportunity presents itself.

To include cash goals in your overall wealth management plan, you may find it beneficial to employ a methodical “three bucket” approach used by many institutional investors.

1. Operating cash: With a zero- to six-month time horizon, the purpose is to meet daily cash management needs (such as paying bills or living expenses). Liquidity and safety of principal are the primary requirements, so the focus is on low-risk options that provide immediate access to funds.

2. Core cash: With a six- to 12-month time horizon, the purpose is to provide occasional access to funds for periodic near-term needs (such as holiday gift giving, a semiannual insurance premium, or an annual vacation). Liquidity is a secondary requirement, so the focus is on low risk and incremental yield.

3. Strategic cash: With a 12- to 24-month time horizon, the purpose is to accomplish major, longer-term cash goals (such as paying college tuition). Liquidity requirements are identified ahead of time, so the investment focus is on optimized risk and returns.

At RBC Wealth Management, you can choose from a broad selection of attractive solutions that are suitable for the specific liquidity, risk and return requirements of your immediate-, near- and long-term cash management needs.

·RBC Bank Deposit Program® cash sweep option - offering immediate liquidity and up to $1,000,000 in Federal Deposit Insurance Corporation (FDIC) insurance per client in each insurable capacity, subject to applicable FDIC insurance limits

·RBC® Branch Sweep Program cash sweep option - offering a competitive yield and immediate liquidity backed by the strength and stability of Royal Bank of Canada

·RBC Global Asset Management money market fund cash sweep options - offering immediate liquidity and competitive yields while striving to maintain a net asset value of $1 per share

·Certificates of Deposit - offering potentially higher yields relative to cash sweep options in exchange for lower liquidity plus you can obtain FDIC protection up to $250,000 per depositor, per insured bank, subject to applicable FDIC insurance limits

·Fixed income securities - offering periodic interest payments, return of principal at end of the term (subject to the creditworthiness of the issuer) and liquidity on the secondary market (values may fluctuate)

·Investment Access® Account - offering cash management capabilities, including unlimited check writing, a Visa Debit Card and automatic bill payment services

To learn more about how cash strategies and solutions may help you accomplish your wealth management goals at The Woo Group RBC Wealth Management