At a Glance

	History
	Major acquisitions
	Quarterly Information
	RBC's Economic Impact
	People
	Focus on Small and Commercial Business

RBC is a Canadian leader with global strength

• Largest bank in Canada and 5th largest in North America ⁽¹⁾
  • Canadian economy and consumer fundamentals are strong
• Solid financial position
  • Tier 1 capital ratio 9.5% and total capital ratio 11.5% ⁽²⁾
  • Senior debt rated Aaa by Moody's,
    AA- by S&P,
    AA by DBRS and AA by Fitch
• Clear leader in Canadian financial services with continued momentum
  • - #1 or #2 across most products in Canada
• Business mix diversified across products and geographies
• Well diversified business mix
  • Retail banking, credit cards, wealth management, asset management, insurance, capital markets
  • Strength in targeted global markets
  • Businesses and strategies well integrated and aligned
  • Approximately 2/3 of revenue from Canada and 1/3 from other geographies
• Proactive risk management and rigorous operational discipline
  • Risk management group successfully partners with business units to understand and control risk
• Track record of industry-leading financial performance
  • Objective to consistently deliver top quartile performance over the medium term
    

⁽¹⁾ As measured by assets and market capitalization as at March 31, 2008
⁽²⁾ Calculated using guidelines issued by the Office of the Superintendent of Financial Institutions (OSFI) under the Basel II framework. As at April 30, 2008.

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History:
(For more details, please visit our history site)

• Chartered in 1869 as the Merchants' Bank of Halifax
• Renamed The Royal Bank of Canada in 1901
• Became Canada's largest bank based on assets in 1941 ($1 billion)
• Installed its first computer in 1961 - a first in Canadian banking
• Formally introduced its distinctive symbol (Lion and Globe) in 1962

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RBC's Economic Impact

2007 Performance highlights

• Incurred taxes of $2.09 billion worldwide.
• Provided employment to 71,760 people, with $7.9 billion in employee compensation and benefits.
• Served more than half a million small business clients in Canada, the United States and the Caribbean.
• Remained the market leader for women entrepreneurs in Canada, with a 19 per cent market share.
• Purchased goods and services totalling $4.4 billion from suppliers of all sizes worldwide.
• Contributed $82.8 million to community causes worldwide.

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People (as at October 2007)

• We are 71,800 people in full and part-time positions.
• We are in 36 countries with approximately 55,000 people in Canada, 12,000 in the US and 4,500 in other countries
• We are diverse. We speak over 100 languages and represent four generations. Fifty-five per cent of our management positions are held by women and 24 per cent of our people in Canada are visible minorities.

* Figures represent Employment Equity data as of October 31, 2006 for our businesses in Canada that are governed by the Employment Equity Act. For more information, refer to RBC's Annual Employment Equity Report. In the U.S., as a federal contractor, RBC Centura is subject to the Americans with Disabilities Act (ADA) relating to the employment of persons with disabilities.

• We promote mutual success. We have competitive Total Rewards that have the flexibility to meet unique needs. More than 70% of us are RBC shareholders via our employee savings and share ownership plans.
• We grow both personally and professionally through e-learning, classroom training, volunteer opportunities, work assignments, and coaching and mentoring. More than $160 million was invested in formal training and career development initiatives in 2007.
• We support our communities by volunteering our time and donating funds to not-for-profit groups through payroll deductions, direct giving and special events. We helped RBC contributed more than $82.8 million in 2007 to community causes worldwide.

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Focus on Small and Commercial Business

Canada

• One in four of all businesses in Canada entrusts RBC with all or part of their business banking needs, making RBC the leading financial institution serving small and commercial businesses across the country.
• RBC's Small Business team includes over 700 specialized Senior Account Managers - Business and Personal, who take care of the business and personal banking needs of each of our Small Business clients. In addition, RBC's Commercial Financial Services team includes 1,300 Commercial Account Managers.
  RBC Business Advisors are available at 1-800-ROYAL-20 (769-2520) to respond to any business owner's questions, or to assist them with their everyday banking needs, including credit and investments.
• RBC Small Business and Commercial Financial Services teams focus on a number of specific industries, as well as Women's Markets and Aboriginal Markets.
  

United States

• RBC Bank serves almost 58,000 small business clients in North Carolina, Georgia, Virginia, South Carolina and Florida.
• We have about 400 bankers who serve small businesses, with nearly 60 people dedicated solely to this segment.

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