RBC Business Segments and Market Strategy
Caution regarding forward-looking statements
RBC
From time to time, we make written or oral forward-looking statements within the meaning of certain securities laws, including the "safe harbour"
provisions of the United States Private Securities Litigation Reform Act of 1995 and any applicable Canadian securities legislation. We may make
forward-looking statements in this RBC Investor Presentation, in filings with Canadian regulators or the United States (U.S.) Securities and Exchange
Commission (SEC), in reports to shareholders and in other communications. Forward-looking statements in this presentation include, but are not limited
to, statements relating to our financial performance objectives, vision and strategic goals. The forward-looking information contained in this RBC Investor
Presentation is presented for the purpose of assisting the holders of our securities and financial analysts understanding our financial position and
results of operations as at and for the periods ended on the dates presented, and our financial performance objectives, vision and strategic goals, and
may not be appropriate for other purposes. Forward-looking statements are typically identified by words such as "believe", "expect", "foresee", "forecast",
"anticipate", "intend", "estimate", "goal", "plan" and "project" and similar expressions of future or conditional verbs such as "will", "may", "should", "could" or
"would".
By their very nature, forward-looking statements require us to make assumptions and are subject to inherent risks and uncertainties, which give rise to the
possibility that our predictions, forecasts, projections, expectations or conclusions will not prove to be accurate, that our assumptions may not be correct
and that our financial performance objectives, vision and strategic goals will not be achieved. We caution readers not to place undue reliance on these
statements as a number of risk factors could cause our actual results to differ materially from the expectations expressed in such forward-looking
statements. These factors - many of which are beyond our control and the effects of which can be difficult to predict - include: credit, market, liquidity and
funding, insurance, operational, regulatory compliance, strategic, reputation, legal and regulatory environment, competitive and systemic risks and other
risks discussed in the Risk management and Overview of other risks sections of our 2015 Annual Report and the Risk management section of our Q1
2016 Report to shareholders; weak oil and gas prices; the high levels of Canadian household debt; exposure to more volatile sectors such as lending
related to commercial real estate and leveraged financing; cybersecurity; anti-money laundering; the business and economic conditions in Canada, the
U.S. and certain other countries in which we operate; the effects of changes in government fiscal, monetary and other policies; tax risk and transparency;
and environmental risk.
We caution that the foregoing list of risk factors is not exhaustive and other factors could also adversely affect our results. When relying on our forward-
looking statements to make decisions with respect to us, investors and others should carefully consider the foregoing factors and other uncertainties and
potential events. Material economic assumptions underlying the forward looking-statements contained in this RBC Investor Presentation are set out in the
Overview and outlook section and for each business segment under the heading Outlook and priorities in our 2015 Annual Report, as updated by the
Overview and outlook section in our Q1 2016 Report to Shareholders. Except as required by law, we do not undertake to update any forward-looking
statement, whether written or oral, that may be made from time to time by us or on our behalf.
Additional information about these and other factors can be found in the Risk management and the Overview of other risks sections in our 2015 Annual
Report and the Risk management section of our Q1 2016 Report to Shareholders.
Information contained in or otherwise accessible through the websites mentioned does not form part of this RBC Investor Presentation. All references in
this RBC Investor Presentation to websites are inactive textual references and are for your information only.
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