RBC Business Segments and Market Strategy
Strong financial profile - Q1 reflects the closing of City National
Consistent earnings growth and strong ROE while maintaining a strong capital position with a
disciplined approach to risk
Consistent earnings growth
Net income ($BN)
10.0
9.0
8.3
2013
2014
2015
Strong capital position (2)
Strong Return on Equity (2)
19.7%
19.0%
18.6%
2.5
2.4
Q1/2015
Q1/2016 (1)
2013
2014
2015
19.3%
RBC
15.3%
Q1/2015
Q1/2016 (1)
Strong leverage and liquidity ratios (3)
Leverage Ratio
14.0%
13.5%
13.4%
13.4%
13.0%
Liquidity Coverage Ratio
10.6%
10.0%
10.1%
9.9%
9.6%
Q4/15
■Common Equity Tier 1 (CET1)
Q1/15
Q2/15
■Total capital
Q3/15
About RBC
4.0%
122%
Credit ratings (4) amongst the highest globally
Moody's
S&P
Fitch
DBRS
Aa3
AA-
AA
AA
Negative
Stable
Negative
Negative
Q1/16 (1)
(1) Includes first quarter of City National results. (2) ROE may not have a standardized meaning under GAAP and may not be comparable to similar measures disclosed by other financial
institutions. For additional information, see slide 40. (3) Capital calculated to include all regulatory adjustments that will be required by 2019 but retaining the phase-out rules for non-qualifying
capital. Refer to the Capital Management section of our Q1 2016 Report to Shareholders for details on all ratios excluding Liquidity Coverage ratio calculated on a "All-in" Basel III basis and
Basel III requirements. (4) Based on long-term senior debt ratings as of February 22, 2016.
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