RBC Investor Presentation Q3 2010

Third Quarter 2010 review Revenue by segment (1) ($ millions) Revenue $ 6.8 B Net income $ 1.3 B Int'l Banking $564 Capital Markets $954 Insurance Return on Equity 14.3 % $1,759 Tier 1 capital ratio 12.9 % Wealth Mgmt $1,044 Strong retail results underpinned third quarter earnings RBC INVESTOR PRESENTATION RBC Canadian Banking $2,628 (1) Excludes Corporate Support Canadian Banking - Clear leader and widening the gap RBC ✓ Best Banking Award recipient for "Branch Service" and "Financial Advice" (Synovate, 2010) ✓ #1 rating for Canadian bank public website (Forrester, 2010) ✓ RBC Direct Investing ranked #1 service provider - discount brokerage (Dalbar, 2010) ✓ Recipient of "Creditor of the Year Award" (Credit Counseling Canada, 2010) Q3/10 (1) Q3/09 (1) Rank Market Share Rank Market Share Consumer Lending (2) 1 21.1% 1 20.8% Leadership in most personal products Personal core deposits 2 20.0% 2 18.5% Personal Investments (3) 1 15.9% 1 17.0% Business loans (4) Leadership $0 - $250M in business $250M $5MM products Business deposits & investments 1 26.3% 1 26.5% 1 26.6% 1 26.9% 1 22.4% 1 22.5% (1) (2) Market share is calculated using most current data available from Bank of Canada (BOC), Investment Funds Institute of Canada (IFIC) and Canadian Bankers Association (CBA). BoC and IFIC data is at June 2010 and CBA data is at March 2010. Market share is of total Chartered Banks unless otherwise noted. Consumer Lending comprises residential mortgages, personal loans and credit cards. (3) Personal Investments comprises GICs and mutual funds. Mutual fund market share is per IFIC. (4) Market share is of the nine Chartered Banks that submit Business Loan tiered data to CBA on a quarterly basis. RBC INVESTOR PRESENTATION 3

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