RBC Financial Performance Update

55 Strong deposit growth Leveraging the strength of our distribution channels and successful deposit initiatives to drive growth Average Balances ($B CAD) Canadian relationship deposits ■ Canadian relationship deposits continue to grow at accelerated rate ■ RBC Canadian personal deposit market share is at 20.4% as of Jan 2021 ☐ RBC Canadian commercial demand deposit market share is at 24.8 % as of Jan 2021 RBC Canadian Deposits (1) ($BN) RBC Relationship Deposits ($BN) 270 250 Cdn Personal Deposits 7.3% CAGR Q2 2021 Q2 2020 230 210 (3) HISA $46 $38 190 (4) 170 150 Advisory Channel Deposits Other Personal Deposits $35 $42 $268 $250 130 Business Deposits $383 $344 110 11.2% CAGR 90 Total Deposits $732 $673 70 50 Cdn Business Deposits (2) 30 APPENDIX Jan-11 Jan-12 Jan-13 Jan-14 Jan-15 Jan-16 Jan-17 Jan-18 Jan-19 Jan-20 Jan-21 (1) Sourced from Canadian deposit market share, which is based on OSFI (M4 report). The volume change in Oct' 16 was mainly due to a re-class of personal deposit to business deposits. (2) Canadian Business deposits reflect all platform demand deposits and Canadian Banking term deposit balances only. (3) High Interest Savings Account; Includes CAD and USD deposits. (4) Sourced largely from RBC Wealth Management network. RBC

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