RBC Financial Performance Update slide image

RBC Financial Performance Update

Canadian residential portfolio has strong underlying credit quality Q2/2021 Highlights Strong underlying quality of uninsured residential lending portfolio(1) - - 54% of uninsured portfolio have a FICO score >800 GTA and GVA average FICO scores remain above the Canadian average Only 2% of our residential lending portfolio has an LTV >80% and FICO score of 720 or lower, and is predominately all insured Condominium outstanding balance is 11% of residential lending portfolio Canadian Banking Residential Lending Portfolio (1) Mortgage HELOC LTV (2) Uninsured ($263.7BN) $228.5BN Total ($338.5BN) $303.3BN $35.2BN $35.2BN 51% 50% GVA 46% 46% GTA 48% 48% Average FICO Score (1) 802 808 16 bps 13 bps 9 bps 8 bps 9 bps 8 bps 90+ Days Past Due (1)(3) GVA GTA Canadian Residential Mortgage Portfolio (2) ($ billions) 49% 47% 61% $157.8 LTV (1) Canadian Banking Residential Lending Portfolio (1) LTV (2) 52% 55% 54% 5% >80% FICO Scores 77% $61.3 ■ Insured ■ Uninsured $101.5 (30%) $233.4 (70%) 65%-80% 50%-65% $41.0 $38.5 77% <50% 49% 67% $19.7 $16.8 23% 23% Ontario B.C. & Territories 53% 51% 50% 33% Alberta Quebec 47% Manitoba & Sask. 50% Atlantic 0% 10% ■>720 ■681-720 20% ■620-680 21% ■ <620 20% 30% 38% 40% % of Total Canadian Banking Residential Lending Portfolio (1) Based on $303.3BN in residential mortgages and $35.2BN in HELOC in Canadian Banking. Based on spot balances. Totals may not add due to rounding. (2) Canadian residential mortgage portfolio of $335.0BN comprised of $303.3BN of residential mortgages in Canadian Banking, $2.2BN in other Canadian business platforms, $11.1BN of mortgages with commercial clients ($7.7BN insured) and $18.4BN of residential mortgages in Capital Markets held for securitization purposes. (3) The 90+ day past due rate includes all accounts that are either 90 days or more past due or are in impaired status. 26 RISK REVIEW RBC
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