RBC Business Segments Overview

Personal & Commercial Banking Overview ■ RBC continues to be the undisputed leader in financial services in Canada - Personal & Commercial Banking accounts for over 50% of total RBC earnings - #1 or #2 market share in all product categories RBC Most branches and largest sales force in Canada while maintaining an industry leading efficiency ratio vs. our peer average (1) Second largest bank by assets (2) in English Caribbean, with branches in 18 countries and territories Offering a broad range of financial products and services In the U.S., our cross-border banking business serves the needs of Canadian clients, through online channels as well as U.S. Wealth Management clients Revenue and Net Income ($ billions) Business metrics - Q1/2015 Canada Caribbean & U.S. 12.3 1.4 Net Income 24 13.7 13.0 0.9 12.4 0.8 0.8 2.4 2.3 2.1 3.1 3.0 2.9 Q1/2014: $1,071 MM Q1/2015: $1,255 MM Clients (million) Branches 1,272 93 ATMs 4,603 310 7.3 6.9 6.6 Employees (FTE) 31,135 4,625 3.4 3.6 4.4 4.5 0.2 0.2 4.1 0.6 0.7 Loans & acceptances(2) 353.6 8.6 0.8 0.8 ($ billion) 1.8 1.9 Deposits (2) ($ billion) 277.0 16.7 2012 2013 2014 Q1/2014 Q1/2015 PFS BFS CPS Caribbean & U.S. Banking Net Income Investor Relations (1) Peers include TD, CIBC, BMO and BNS. (2) Based on average balances. PFS: Personal Financial Services; BFS: Business Financial Services; CPS: Cards and Payment Solutions, and; FTE: Full-time equivalent. 9

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