RBC Investor Presentation Q3 2010

Wealth Management - Seizing opportunities for growth Top performing Canadian asset manager focused on global growth • Largest Canadian retail mutual fund company with over $100B AUM and 15% market share (1) • Track record of industry leading performance ✓ PH&N voted Best Overall Fund Group and Best Bond Fund Family (Lipper, 2010) In 2009, RBC captured 31% of the industry net sales of long-term funds • Leading Canadian institutional asset manager with growing presence in the U.S. market through recent mandate wins • Actively considering acquisition opportunities outside Canada Largest and most comprehensive full-service wealth manager in Canada • Largest full-service brokerage in Canada with 23% of assets and 15% of advisors (2) • Market leader in estate and trusts with 27% share of industry revenue (2) Strong and growing position in U.S. Wealth Management • 6th largest U.S. full-service retail brokerage firm with almost 2,300 financial consultants • Translating recent growth into bottom-line profitability Leader in International Wealth Management • Top 20 global private bank and 2009 Award winner for "Outstanding Private Banking - North America" (3) • Ranked #1 Best private banking services overall - Canada, Caribbean and Jersey (Euromoney, 2010) • Pursuing acquisition opportunities that have synergies with existing business model RBC INVESTOR PRESENTATION (1) IFIC July. 2010 (2) Investor Economics (3) Private Banker International Capital Markets - Leveraging our Canadian franchise ✓ Best Investment Bank in Canada for 3rd consecutive year (Euromoney) ✓ Best Bank for Fixed Income e-Trading and Non-Core Currency Bonds (Credit Magazine's 2010 European Credit Awards) ✓ Joint bookrunner and hedge manager on largest ever U.K. Gilt offering, and the largest ever European government bond to date Rankings Rank Value ($ millions) # of deals Market Share Canadian corporate debt (1) 1 12,945 56 29.8% Canadian all debt (excl. self funded) (2) 1 19,814 64 25.8% Canadian equity and equity-related (excl. structured products) (3) 1 5,796 56 17.3% U.S. M&A (4) 19 11,232 28 2.9% 3233 (1) Bloomberg: January 2010 July 2010 (2) Thomson Reuters: January 2010 June 2010 (3) (4) FPInformart: November 2009 - July 2010 Bloomberg: January 2010 June 2010, in US$. Ranking up from #51 with a market share of 0.1% during the same period of 2009 RBC INVESTOR PRESENTATION RBC RBC 8 4

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