RBC Financial Strategy and Performance
Strong financial profile
Consistent earnings growth and solid ROE while maintaining a strong capital position with a
disciplined approach to risk
Consistent Earnings Growth
Net income ($ billions)
Strong Return on Equity(1)
11.5
10.5
12.4
3.0
3.2
RBC
17.6%
17.4%
17.0%
16.7%
16.3%
2016
2017
2018
Q1/18
Q1/19
2016
2017
2018
Strong Capital Position
Q1/18
Q1/19
Strong Leverage and Liquidity Ratios.
Leverage Ratio
4.3%
14.4%
14.6%
14.5%
14.1%
14.1%
Liquidity Coverage Ratio
128%
11.5%
11.0%
10.9%
11.1%
11.4%
Credit Ratings Amongst the Highest Globally
Moody's
S&P
DBRS
Fitch
Legacy senior
Aa2
AA-
AA
AA
long-term debt (2)
Q1/18
Q2/18
■Total Capital
Q3/18
Q4/18
Q1/19
Senior long-term
debt(3)
A2
A
AA (low)
AA
■Common Equity Tier 1 (CET1)
Outlook
Stable
Stable
Positive
Stable
About RBC
6
(1) Return on Equity (ROE). This measure does not have a standardized meaning under GAAP. For further information, refer to the Key performance and non-GAAP measures section of Q1
2019 Report to Shareholders. (2) Includes senior long-term debt issued prior to September 23, 2018 and senior long-term debt issued on or after September 23, 2018 which is excluded from the
Canadian Bank Recapitalization (Bail-in) regime (ratings as of February 21, 2019). (3) Includes senior long-term debt issued on or after September 23, 2018 which is subject to conversion under
the Bail-in regime (ratings as of February 21, 2019).View entire presentation