Economic Backdrop and Financial Performance Objectives

Personal & Commercial Banking ■ The financial services leader in Canada - #1 or #2 market share in all key retail and business product categories - Largest branch network, the most ATMs and one of the largest mobile sales forces across Canada - Superior cross-sell ability ■ In 9 countries and territories in the Caribbean " - 3rd largest bank by assets (1) in English Caribbean Innovative direct banking to U.S. cross-border clients Ongoing investments to further digitize our banking channels Q1/2024 Highlights Clients (MM) ~15 Branches 1,184 ATMs 4,275 Active Digital (Online and Mobile) Users (2) (MM) 9.2 Employees (FTE) 37,373 Net Loans & Acceptances(3) ($BN) 614.1 Deposits (3) ($BN) 630.6 362.7 AUA(4) ($BN) Net Income ($ millions) 8,370 8,266 7,847 346 344 227 8,024 7,922 7,620 2,126 2,061 70 94 2,056 1,967 2021 2022 ■Canadian Banking 2023 Q1/2023 ■Caribbean & U.S. Banking Q1/2024 Revenue by Business Line (5) Canadian Banking 95% Personal Banking 67% Business Banking 28% Caribbean & U.S. Banking 5% (1) Based on spot balances. For Caribbean Banking, ranking based on annual peer review (completed April 30, 2023; peers include Republic Bank, BNS and CIBC). (2) This figure represents the 90-day active customers in Canadian Banking only. (3) Based on average balances. (4) AUA represents period-end spot balances and includes securitized residential mortgages and credit card loans as at January 31, 2024 of $14 billion and $6 billion, respectively. (5) For quarter ended January 31, 2024. 13 BUSINESS SEGMENTS RBC

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