Technology & Innovation at RBC Ventures

The RBC story Diversified business model with leading client franchises Market leader with a focused growth strategy Financial strength underpinned by prudent risk and cost management Innovation is in our DNA Leading corporate citizen ■ Well-diversified across businesses, geographies and client segments ■ Able to capitalize on opportunities created by changing market dynamics and economic conditions ■ Wide breadth of products and capabilities to meet our clients' financial needs and build deep, long-term relationships ■ Market leader in Canada and one of the largest financial institutions globally(1) ■ Clear strategy for continued long-term growth in Canada, the U.S. and select global markets Track record of earnings and dividend growth while maintaining a disciplined approach to risk and cost management ■ Credit ratings amongst the highest globally ☐ Strong capital position and a high-quality liquid balance sheet Long history of innovation and proven ability to adapt to industry trends ■ Investments in technology allow us to drive efficiencies and deliver an exceptional client experience ■ Focused on simplifying, digitizing and personalizing our products to make it easier for clients and employees to do business, and to lower costs ■ Committed to accelerating clean economic growth - contributed $25.9 billion (2) of our $100 billion sustainable financing target by 2025 to help support a transition to a low-carbon economy ■ ■ Signed a long-term renewable energy Power Purchase Agreement (PPA) that will provide RBC with clean energy from a new 39 MW solar project in Alberta – one of the largest PPAs in Canadian history and first for a Canadian bank Through RBC Tech for Nature, we provided over $9 million in donations to 124 organizations to develop technology based solutions to solve pressing environmental challenges ■ Released RBC's inaugural 2019 Enterprise D&I (³) Report, first stand-alone TCFD(4) Report, 2019 ESG Report and SASB(5) Index, as well as, an enhanced Modern Slavery Act Statement $142 million given globally through cash donations and community investments, including support to mitigate the economic impact of COVID ■ Launched RBC Future Launch at Home - a new, online resource hub that provides access to virtual programming and learning opportunities for youth across Canada. This hub will deliver utility for youth and help them navigate and exit the COVID-19 pandemic better prepared for the future of work (1) Based on market capitalization as of October 30, 2020. (2) 2019 ESG (Environment, Social and Governance) Report. (3) Diversity & Inclusion. (4) Task Force on Climate-related Financial Disclosures. (5) Sustainability Accounting Standards Board. 3 ABOUT RBC RBC

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