RBC Business Segments and Market Strategy
RBC
Wholesale funding strategy
Large retail deposit base complemented by well diversified wholesale funding mix
■ Well diversified across products, currencies, investor segments and geographic regions
■Raise majority of funding in international markets to preserve significant domestic capacity which can be
tapped in stressed market conditions
■ Regular issuance in all major markets to promote investor engagement and secondary market liquidity
■ Well balanced maturity profile that is reflective of the maturity profile of our asset base
Diversified by Geography (1)
Europe
25%
Canada
24%
Well Balanced Maturity Profile (1)
($BN)
60
50
40
U.S.
51%
30
20
10
0
2016 2017
2018 2019 2020 2021
>2021
Appendix
(1) RBC term unsecured and covered bonds, as of January 31, 2016.
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