RBC Business Segments Overview

Key strategic priorities aligned to our long-term goals Strategic goals In Canada, to be the undisputed leader in financial services RBC ■ Globally, to be a leading provider of capital markets, investor and wealth management solutions ■ In targeted markets, to be a leading provider of select financial services complementary to our core strengths Personal & Commercial Banking Offering a differentiated experience: value for money, advice, access and service ■ Making it easier to do business with us and be a low cost producer Converging into an integrated multi-channel network ▪ Enhancing client experience and improving efficiency in the Caribbean and U.S. ■ ■ Wealth Management Building a high- performing global asset management business Focusing on high net worth and ultra-high net worth clients to build global leadership Leveraging RBC and RBC Wealth Management strengths and capabilities Strategic priorities Insurance Improving distribution ■ efficiency and deepening client relationships through cross-sell Making it easier for clients to do business with us ▪ Pursuing select international opportunities to grow our reinsurance business ■ Investor & Treasury Services (I&TS) O Providing excellence in custody and asset servicing, with an integrated funding and liquidity management business • Focusing on organic growth through client relationships, cross- selling and promoting the RBC brand ■Leveraging I&TS as a driver of enterprise growth strategies Capital Markets ■ Maintaining our leadership position in Canada Expanding and strengthening client relationships in the U.S. Building on core strengths and capabilities in Europe and Asia Optimizing capital use to earn high risk- adjusted returns on assets and equity Investor Relations 7

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