TECHNOLOGY @ RBC

Prudent risk management A disciplined approach and diversification have underpinned credit quality Loan Book Diversified by Portfolio(1) Credit Cards 3% Small Business 1% PCL Ratio on Impaired Loans (bps) Wholesale 33% Residential Mortgages 50% 35 30 542210 23 22 222 PCL ratio on impaired loans 17 20 20 28 Average historical actual loss rate (2) 32 bps 37 -29- 27 25 23 21 Personal Loans 13% Breakdown by Region of Total Loans and Acceptances(1) Other International 4% U.S. 14% Q1/2018 Q2/2018 Q3/2018 Q4/2018 Q1/2019 Q2/2019 Q3/2019 Q4/2019 Q1/2020 Q2/2020 Q3/2020 Breakdown of Canadian Total Loans and Acceptances(1) Manitoba/ Sask. 6% Atlantic 5% Canada 82% Quebec 11% Alberta 13% Ontario 49% B.C. and Territories 16% 15 Q4/2020 (1) Loans and acceptances outstanding as at October 31, 2020. Does not include letters of credit or guarantees. (2) Average annual actual loss rate from fiscal 2003 through to the most recent full year. The information is updated on an annual basis and is based on consolidated results. The Average historical actual loss rate on a continuing operations basis is 0.32%. 21 RISK REVIEW RBC

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