RBC Financial Performance Update

Canada 78% Prudent risk management A disciplined approach and diversification have underpinned credit quality Loan Book Diversified by Portfolio (1) Credit Cards 2% _Sm all Business 2% PCL Ratio on Impaired Loans (bps) 45 Personal Loans 13% Wholesale 32% Residential 20 Mortgages 51% 35 30 40 GGGG 25 20 17 15 PCL ratio on impaired loans 10 Q3/2018 Q4/2018 37 Average historical actual loss rate (2) 31 bps 29 28- 27 25 23 21 Breakdown by Region of Total Loans and Acceptances (1) Other International 6% U.S. 16% Breakdown of Canadian Total Loans and Acceptances (1) Manitoba/ Sask. 6% Atlantic 5% Alberta 13% Q1/2019 Q2/2019 Quebec 12% Ontario 47% Q3/2019 (1) Loans and acceptances outstanding as at April 30, 2021. Does not include letters of credit or guarantees. (2) Average annual actual loss rate from fiscal 2003 through to the most recent full year. The information is updated on an annual basis and is based on consolidated results. The Average historical actual loss rate on a continuing operations basis is 0.31%. 21 RISK REVIEW RBC B.C. and Territories 17% Q4/2019 Q1/2020 Q2/2020 Q3/2020 Q4/2020 15 Q1/2021 13 33 Q2/2021 11

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