RBC Business Segments Overview

- Personal & Commercial Banking – Canada Offering a differentiated experience ■ Be the undisputed leader in Canada and continue to grow volume at a premium to peers RBC Demonstrate the value for money that sets RBC apart through quality of advice and service, and industry-leading convenience and access Making it easier to do business with us Maintain focus on digitizing the bank and simplifying our end-to-end processes ■ Make it simpler and easier for clients to do business with us through self, assisted and full-serve options ■ Invest in skills, accreditation and engagement of our employees to enable us to compete more effectively Converging into an integrated multi-channel network Leveraging our unparalleled distribution breadth (e.g. most branches and ATMs in Canada), internal capabilities and strategic external partnerships to maintain our market leadership and extend our sales power Adapting our distribution network to ongoing changes in client preferences, including designing new products specifically for online and mobile channels Recent awards Best Global Retail Bank of the Year 2014, following two consecutive years as being named Best Retail Bank in North America (Retail Banker International) ■ Bank of the Year in Canada 2014 (The Banker) ■ Best Trade Finance Bank in Canada 2014 for the second consecutive year (Global Finance) Best Private Banking Services in Canada, the Caribbean, Cayman Islands and Jersey 2014 (Euromoney) ■ Best Private Bank in Canada and the Caribbean 2014 (Professional Wealth Management) ■ Innovation in Customer Service 2013 (Retail Banker International) ■ Best Commercial Bank in Canada 2013 (World's Finance) ■ #1 RBC Visa Infinite Avion in overall satisfaction 2013 (MLM and Maritz) Investor Relations 10

View entire presentation