RBC Financial Strategy and Performance
Personal & Commercial Banking - Canadian Banking
Solid Volume Growth ($ millions)(1)
Superior Cross-Sell Ability
Percent of households with transaction accounts,
investments and borrowing products (2)
364
343
339
326
301
375
393
417
409
431
2016
2017
2018
Q1/2018 Q1/2019
■Loans and Acceptances ■ Deposits
# 1 or #2 Market Share in All Categories (3)
21%
RBC
16%
Peer Average
Continue To Improve Our Efficiency Ratio (9)
RBC
Market
Product
Rank
share
Personal Lending (4)
20.5%
2
Personal Core Deposits + GICs
19.7%
2
Peer
47.6%
Average (10)
46.6%
Credit Cards(5)
46.4%
28.0%
1
45.7%
Long-Term Mutual Funds (6)
32.9%
1
44.2%
43.2%
42.5%
Business Loans ($0-$25MM)(7)
26.7%
1
41.6%
RBC
C
Business Deposits (8)
25.6%
1
2016
2017
2018
Q1/2019
Business Segments
12
(1) Based on average balances. (2) Canadian Financial Monitor by Ipsos 10,000 Canadian households - data based on Financial Group results for the 12-month period ending October 2018; TFSA is considered an Investment. Peers include BMO, BNS, CIBC and TD. (3) Market share is calculated
using most current data available from OSFI (M4), Investment Funds Institute of Canada (IFIC) and Canadian Bankers Association (CBA), and is at October 2018 except where noted. Market share is of total Chartered Banks except where noted. (4) Personal Lending market share of 6 banks (RBC,
BMO, BNS, CIBC, TD and NA) and includes residential mortgages (excl. acquired portfolios) and personal loans as at August 2018. (5) Credit cards market share is based on 6 banks (RBC, BMO, BNS, CIBC, TD and NA) as at August 2018. (6) Long-term mutual fund market share is compared to
total industry and is at October 2018. (7) Business Loans market share is of 6 Chartered Banks (RBC, BMO, BNS, CIBC, TD and NA) on a quarterly basis and is as of June 2018. (8) Business Deposits market share excludes Fixed Term, Government and Deposit Taking Institution balances. (9)
Effective Q4/2017, service fees and other costs incurred in association with certain commissions and fees earned are presented on a gross basis in non-interest expense. Comparative amounts have been reclassified to conform with this presentation. (10) Peers include BMO, BNS, CIBC and TD.View entire presentation