RBC Financial Performance Update
Personal & Commercial Banking - Canadian Banking
Solid Volume Growth ($ millions) (1)
Superior Cross-Sell Ability
Percent of clients with transaction accounts, investments,
borrowing and Credit Cards products (2)
477
429
410
375
343
417
440
467
464
492
2018
2019
2020
Q2/20 Q2/21
■ Deposits
■Loans and Acceptances
#1 or #2 Market Share in All Key Categories (3)
19%
13%
RBC
Peer Average
Continue to Improve Our Efficiency Ratio (9)
Market
Product
Rank
share
Personal Lending(4)
24.7%
1
Personal Core Deposits + GICs
20.4%
2
47.7%
47.4%
Peer
Average (10
46.4%
Credit Cards (5)
28.2%
1
Long-Term Mutual Funds (6)
32.4%
1
43.2%
42.5%
41.8%
Business Loans ($0-$25MM) (7)
RBC
26.2%
1
41.3%
Business Deposits (8)
24.8%
1
2018
2019
2020
YTD 2021
(1) Based on average balances. (2) Canadian Financial Monitor by Ipsos - 18,000 Canadian individuals - data based on Financial Group results for the 12-month period ending April 2021; Cross-sell calculation methodology has been updated from previous quarters since
Q2/19.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 January
2021 and November 2020 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 November 2020, excludes Credit Cards. (5) Credit cards market share is based on 6 banks (RBC, BMO, BNS, CIBC, TD and NA) as at November 2020. (6) Long-term mutual fund market share is compared to 7 banks (RBC, BMO, BN'S, CIBC, TD, NA, and
HSBC) and is at January 2021. (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 December 2020. (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; 2017 through 2020 reflects annual numbers.
11 | BUSINESS SEGMENTS
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