RBC Financial Strategy and Performance

Stable credit quality in Canadian Banking retail portfolio Average Canadian Banking Retail Loans (1) 23% 1% 5% $354.1BN 71% Unemployment Rate 9.0% ■Residential Mortgages ■ Personal ■Credit Cards ■Small Business 8.0% Business Segments (1) Excludes Canadian Banking wholesale business loans and acceptances. 7.0% 6.0% 5.0% 4.0% Jan-16 Jan-17 Oct-16 Jul-16 Apr-16 Jul-17 Apr-17 Oct-17 RBC Alberta 6.8% Canada 5.8% Ontario 5.7% B.C. 4.7% Jan-19 Oct-18 Jul-18 Apr-18 Jan-18 Canada's unemployment rate improved, down 10 bps YoY to 5.8% ■ Ontario and B.C., which represent the largest portion of our retail portfolio, continue to perform well with unemployment rates of 5.7% and 4.7%, respectively 13

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