RBC Financial Performance Update

PCL on impaired loans at its lowest level in over 15 years Total RBC ($ millions, bps) 37 Wealth Management ($ millions, bps) 21 8 $43 23 15 $613 13 11 $15 $398 $251 $218 $177 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q2/20 Q3/20 O -13 $- $3 $(27) Q4/20 Q1/21 Q2/21 Lower provisions QoQ in Capital Markets and Canadian Banking, partially offset by higher provisions in Wealth Management Higher provisions QoQ, due to a provision on a new impaired loan at CNB in the Consumer Discretionary sector, and higher recoveries in Q1/2021 Canadian Banking ($ millions, bps) Capital Markets ($ millions, bps) 94 30 23 18 16 14 25 27 $272 7 $339 $264 $217 $195 $169 -13 $73 $68 $18 $(29) Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Retail: Lower provisions QoQ, primarily in personal lending and residential mortgages, partially offset by higher write-offs on cards Commercial: Lower provisions QoQ, mainly due to a provision on an Other Services account taken in Q1/2021 Lower provisions QoQ, largely due to reversals on previously impaired loans in the Oil & Gas and Other Services sectors, partially offset by a provision on a new impaired loan in the Real Estate and Related sector 24 RISK REVIEW RBC

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