Investor Relations - Fixed Income Presentation
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 Fixed Income Presentation, in filings with Canadian regulators or the United States (U.S.) Securities and
Exchange Commission, in reports to shareholders and in other communications. Forward-looking statements in this Fixed Income Presentation include,
but are not limited to, statements relating to our financial performance, objectives, vision and strategic goals, the housing market in Canada and the
Canadian economy. The forward-looking information contained in this presentation is presented for the purpose of assisting the holders of our securities
and financial analysts in 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 priorities, 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, the Canadian economy and the Canadian housing market 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, regulatory compliance, operational, strategic, reputation and competitive risks
and other risks discussed in the Risk management and Overview of other risks sections of our 2013 Annual Report; the impact of regulatory reforms,
including relating to the Basel Committee on Banking Supervision's (BCBS) global standards for capital and liquidity reform, the Dodd-Frank Wall Street
Reform and Consumer Protection Act and the regulations issued and to be issued thereunder, over-the-counter derivatives reform, the payments system
in Canada, the U.S. Foreign Account Tax Compliance Act (FATCA), and regulatory reforms in the United Kingdom (U.K.) and Europe; the high levels of
Canadian household debt; cybersecurity; 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; our ability to attract and retain employees; the accuracy and completeness of
information concerning our clients and counterparties; the development and integration of our distribution networks; model, information technology and
social media risk; and the impact of environmental issues.
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 Fixed Income Presentation are set out in
the Overview and outlook section and for each business segment under the heading Outlook and priorities in our 2013 Annual Report, as updated by the
Overview section in our Q2 2014 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 2013 Annual
Report and in the Risk management section of our Q2 2014 Report to Shareholders.
Information contained in or otherwise accessible through the websites mentioned does not form part of this Fixed Income Presentation. All references in
this Fixed Income Presentation to websites are inactive textual references and are for your information only.
Investor Relations - Fixed Income Presentation
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