TECHNOLOGY @ RBC

Average Balances ($B CAD) Strong deposit growth Leveraging the strength of our distribution channels and successful deposit initiatives to drive growth Canadian relationship deposits ■ Initiated successful strategies to grow relationship deposit base ■ Canadian relationship deposits continue to grow at accelerated rate ■ RBC Canadian personal deposit market share is at 20.3% as of Jul 2020 ■ RBC Canadian commercial demand deposit market share is at 24.4 % as of Jul 2020 RBC Canadian Deposits(1) ($BN) RBC Relationship Deposits ($BN) 270 250 Cdn Personal Deposits 7.83% CAGR 230 Q4 2020 Q4 2019 210 HISA (3) $42 $35 190 170 150 Advisory Channel Deposits Other Personal Deposits (4) $40 $38 $261 $203 130 Business Deposits $365 $316 110 9.88% CAGR 90 Total Deposits $708 $593 70 50 Cdn Business Deposits(2) 30 Jul-09 Jul-10 Jul-11 Jul-12 Jul-13 Jul-14 Jul-15 Jul-16 Jul-17 Jul-18 Jul-19 Jul-20 (1) Sourced from Canadian deposit market share, which is based on OSFI (M4 report). The volume change in Oct'16 was mainly due to a re-class of personal deposit to business deposits. (2) Canadian Business deposits reflect all platform demand deposits and Canadian Banking term deposit balances only. (3) High Interest Savings Account; Includes CAD and USD deposits. (4) Sourced largely from RBC Wealth Management network. 59 APPENDIX RBC

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