Royal Bank of Canada, established in 1864 and headquartered in Toronto, Canada, operates as a comprehensive global financial services enterprise. Its Personal & Commercial Banking division serves both individual clients and small to medium-sized businesses. For personal banking, it provides everyday accounts like checking and savings, various lending options including home equity and personal loans, private banking, indirect auto financing, investment products such as mutual funds and guaranteed investment certificates, self-directed brokerage accounts, credit cards, and payment solutions.