TECHNOLOGY @ RBC

Personal & Commercial Banking ■ The financial services leader in Canada - #1 or #2 market share in all key product categories Most branches and one of the largest mobile sales networks across Canada - Superior cross-sell ability ■ In 16 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 digitize our banking channels Q4/2020 Highlights Clients (MM) Branches ATMs 14+ 1,253 4,480 Active Digital (Online and Mobile) Users (2) (MM) 7.6 Employees (FTE) 35,000+ Net Loans & Acceptances (¹) ($BN) 482.0 Deposits (1) ($BN) 481.3 AUA(1) ($BN) 287.6 Net Income ($ millions) 6,402 6,028 234 5,755 168 184 6,168 5,087 5,860 10 10 5,571 5,077 2017 2018 ■Canadian Banking 2019 2020 ■Caribbean & U.S. Banking Revenue by Business Line (3) Canadian Banking 95% Personal Banking 71% Business Banking 24% (1) Based on average balances. (2) This figure represents the 90-day active customers in Canadian Banking only. (3) For the quarter ended October 31, 2020. 9 | BUSINESS SEGMENTS Caribbean & U.S. Banking 5% RBC

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