RBC Business Segments and Market Strategy
Personal & Commercial Banking - Canada Banking
Solid volume growth (1)
248
264
281
296
230
307
329
343
359
371
2012
2013
2014
2015
Q1/2016
■Loans and acceptances ■ Deposits
# 1 or #2 market share in all categories (3)
Superior cross-sell ability
Percent of households with transaction accounts,
investments and borrowing products (2)
24%
RBC
16%
Peer Average
Continue to improve our efficiency ratio
RBC
Market
Product
Rank
share
49.7% 49.9%
Peer
Consumer lending (4)
23.6%
1
49.2%
Average (8)
48.4%
48.3%
Personal core deposits + GICs
20.1%
2
Long-Term Mutual Funds (5)
14.4%
J
Business loans ($0-$25MM) (6)
24.7%
1
44.5%
44.7%
44.2%
44.0%
RBC
43.7%
Business deposits (7)
26.3%
1
2012
2013
2014
2015
Q1/2016
Business segments
13
(1) Based on average balances. (2) Canadian Financial Monitor by Ipsos - 12,000 Canadian households annually - data based on Financial Group results for 2015 (January to December); 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). OSFI, IFIC and CBA data is at September 2015. Market share is of total Chartered Banks
except for Business Loans which is of total 7 banks (RBC, BMO, BNS, CIBC, TD, NA and CWB). (4) Consumer Lending market share is of 6 banks (RBC, BMO, BNS, CIBC, TD and NA). Consumer Lending comprises residential mortgages (excluding acquired
portfolios), personal loans and credit cards. (5) Long-term mutual fund market share compared to total industry. (6) Business Loans market share is of the 7 Chartered Banks (RBC, BMO, BNS, CIBC, TD, NA and HSBC) that submit to CBA on a quarterly basis. (7)
Business Deposits market share excludes Fixed Term, Government and Deposit Taking Institution balances. (8) Peers include BMO, BNS, CIBC and TD; 2012 through 2015 reflects annual results while the peer average efficiency ratio for Q1 2016 represents Q4
2015 according to the data that is available for the peers.View entire presentation