RBC Business Segments Overview
-
Personal & Commercial Banking – Canada
Volume
($ billions)
CAGR 7.3%
608
631
578
538
277
264
248
230
344
354
330
308
2012
2013
■Loans and acceptances
2014
Q1/2015
■ Deposits
RBC
Cross-selling metric
(Households with transaction accounts, investments
and borrowing products) (1)
24%
Superior cross-sell ability
16%
RBC
(7)
Peer Average
Market share (2)
Industry leading Efficiency Ratio (%) (7)
Market
Product
Rank
share
Peer
Average (7)
Consumer lending (3)
49.9%
49.7%
49.2%
23.7%
Personal core deposits + GICs
20.3%
2
Long-Term Mutual Funds (4)
14.4%
1
44.7%
44.5%
Business loans ($0-$25MM) (5)
25.2%
1
44.2%
43.8%
RBC
Business deposits (6)
26.2%
1
2012
2013
2014
Q1/2015
Investor Relations
11
(1) Canadian Financial Monitor by Ipsos Reid - 12,000 Canadian households annually - data based on Financial Group results for the 12-month period ending October 2014; TFSA is considered an Investment. (2) Market share is calculated using most current data available from OSFI (M4), Investment Funds
Institute of Canada (IFIC) and Canadian Bankers Association (CBA). OSFI, IFIC and Consumer Lending CBA data is at October 2014 and October 2013, Business Loans CBA data is at September 2014 and September 2013. Market share is of total Chartered Banks except for Business Loans which is of total 7
Banks (RBC, BMO, BNS, CIBC, TD, NBC, CWB). (3) Consumer Lending market share is of 6 banks (RBC, TD, CIBC, BMO, BNS and NA). Consumer Lending comprises residential mortgages (excluding acquired portfolios), personal loans and credit cards. (4) Mutual fund market share is per IFIC and is
compared to total industry. (5) Business Loans market share is of the 9 Chartered Banks that submit to CBA on a quarterly basis. (6) Business Deposits market share excludes Fixed Term, Government and Deposit Taking Institution balances. (7) Peer average is based on annual results for BMO, BNS, CIBC &
TD. Information for Q1/2015 not yet available.View entire presentation