Strategic Expansion of Global Wealth Management Footprint

Pathway to success Initiative + BREWIN DOLPHIN RBC Increase Brewin Dolphin FY2021(1) Discretionary funds advisor capacity per advisor £89MM Broad range of client value propositions and investment solutions Foremost asset gatherers Discretionary funds inflows + 4.6% Diverse distribution footprint to support clients Operational efficiencies Adjusted PBT margin(2) 22.4% + Trend Medium-term UK, Channel Islands & Ireland i Combined Revenue CAGR -9% Revenue Investment to modernize synergies Expanded distribution and banking capabilities its technology platform + UK Wealth sector Secular growth, structural changes, and a consolidating market + Record of delivering superior client service Expense synergies Overlapping functional and administrative Combined areas Adjusted PBT(2) ~C$0.5bn FY2021 (1) Brewin Dolphin Benchmark Client AUM retention 96% 93%(3) Client satisfaction Net promotor score (1) 2021 financial metrics and benchmark figures sourced from Brewin Dolphin company reports. Fiscal year end September 30th. (2) This is a non-GAAP measure. Adjusted PBT is the statutory profit before tax adjusted for the following items: amortisation of intangibles including client relationships and brand; defined benefit pension scheme past service costs; acquisition costs; incentivisation awards; onerous contracts and other gains and losses. Adjusted PBT margin is calculated by taking the adjusted PBT over the total income. For reconciliation and more information, see slides 9 and 10. (3) Benchmark client AUM retention rate includes Rathbones PLC and Quilter PLC 7 Royal Bank of Canada 8.8/10 > 8.6/10 55% 49%

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