TECHNOLOGY @ RBC

Credit RWA downgrades largely related to loans within vulnerable sectors Loan Growth By Segment (Q2/20, Q3/20 & Q4/20) ($ billions) ■Q2/20 Q3/20 Q4/20 Capital Markets P&CB Wealth Management (1) Other (35) (25) (15) (5) 5 15 25 Cumulative change ($2) $20 $13 $1 RWA Net Credit Downgrades By Segment (Q2/20, Q3/20 & Q4/20) ($ billions) ■Q2/20 Q3/20 Q4/20 Capital Markets P&CB ■ Cumulative impact from net credit downgrades of $13 billion over last three quarters 。 Majority of net lending-related credit downgrades were in Capital Markets, mostly in Q2/2020 。 Wholesale net lending-related credit downgrades largely related to loans classified as vulnerable 。 Net credit RWA downgrades include impact from counterparty credit risk, largely in Q2/2020 o Limited downgrades in retail portfolios Corporate clients have been paying down credit facilities following unprecedented level of draws in Q2/2020 Strong underlying loan growth, largely in Canadian Banking and U.S. Wealth Management (including CNB) Wholesale Lending-Related Credit RWA Net Credit Downgrades (Q2/20, Q3/20 & Q4/20) ($ billions) Oil & Gas Consumer Discretionary Automotive Transportation Industrial Products Services Vulnerable sectors Wealth Management (1) Other (0.5) 0.5 1.5 2.5 3.5 4.5 5.5 6.5 7.5 (1) Other includes Investor & Treasury Services, Insurance and Corporate Support 34 RISK REVIEW Commercial Real Estate Utilities Q2/20 Q3/20 Q4/20 Telecom & Media Other Sectors 0.5 1.0 1.5 2.0 2.5 3.0 RBC

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