2011 and Fourth Quarter Results
Canadian Banking retail portfolio credit quality
65%
Average Retail Loans of $253 billion
Credit cards (2)
Small business
5%
Specific PCL Ratio by Product (1)
3.79%
3.64%
29%
3.52%
3.45%
3.17%
2.08%
1.77%
1.60%
1.57%
1%
1.16%
Personal
Residential mortgages (2)
0.66%
0.61%
0.59%
0.55%
0.54%
0.01%
0.01%
0.00%
0.00%
0.00%
Q4/10
Q1/11
Q2/11
Q3/11
Q4/11
(1) Specific PCL Ratio: specific PCL as a percentage of average net loans and acceptances, annualized.
(2) Includes securitized balances.
RBC 2011 AND FOURTH QUARTER RESULTS
Wealth Management – asset management growth
-
Canadian mutual fund balances and market share
RBC
Mutual fund balances ($ billions) (1)
Market share (%) (1)
180
18.0%
15.9%
160
15.5% 15.2% 15.2% 15.1% 15.0% 15.0% 15.1% 15.3%
15.0%
140
120
13.7%
13.8% 13.8% 13.9% 14.0% 14.1%
100
13.4
16.3
14.6
22.1
18.5
12.3
97.8
14.3%
11.1
102.9
14.5%
10.4
101.7
14.7%
12.0%
10.1
100.6
92.6
9.0%
80
87.0
86.3
81.0
77.7
60
6.0%
40
3.0%
20
0
0.0%
Q4/09 Q1/10
Q2/10 Q3/10 Q4/10
Long-Term Funds
Money Market Funds
Q1/11 Q2/11 Q3/11
Q4/11
All-in Market Share
LT Market Share
•
• RBC GAM is ranked number one in market share for both all-in and long term fund assets. (2)
Long-term fund assets increased 29% since Q4/09, with RBC GAM capturing over 25% of
industry long-term sales.
RBC 2011 AND FOURTH QUARTER RESULTS
(1) Source: IFIC and RBC reporting. (2) IFIC, as of September 2011.
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