As a leading employer, corporate donor, taxpayer, and buyer of goods and services, RBC Financial Group has an impact on the communities in which we operate. Our extensive network of operations and sense of civic involvement make us a strong presence in communities of all sizes across Canada, the Bahamas, the Caribbean and increasingly in the United States.

Who we are

•	Royal Bank of Canada (RBC), which trades as RY on the TSX and NYSE, and its subsidiaries operate under the master brand name of RBC Financial Group;
•	We have five major lines of business: personal and commercial banking (RBC Banking), wealth management (RBC Investments), insurance (RBC Insurance), corporate and investment banking (RBC Capital Markets) and transaction processing (RBC Global Services);
•	We are Canada’s largest financial institution as measured by market capitalization and assets, and one of North America’s leading diversified financial services companies;
•	We serve more than 12 million personal, business and public sector clients through offices in North America and some 30 countries around the world.

In Canada

•	We rank first or second in most personal and commercial banking retail products, including mortgages and deposits;
•	We have the leading full-service brokerage operation (by assets), the largest private bank, the top mutual fund provider and the second-largest self-directed brokerage operation (by number of accounts);
•	We continue to be the top-ranked securities underwriter and a leading mergers and acquisitions advisor;
•	We are the largest Canadian bank-owned insurer, one of the fastest growing in the country, and a leader in travel insurance and creditor products;
•	We have the largest custody operations in Canada.

Internationally

•	In the United States, we provide personal and commercial banking, mortgage origination, insurance, full-service brokerage and corporate and investment banking services to over two million clients through RBC Centura and its subsidiaries, RBC Mortgage, RBC Builder Finance, RBC Insurance, RBC Dain Rauscher and RBC Capital Markets;
•	We have a retail network in the Caribbean and the Bahamas. Outside North America, we provide corporate and investment banking, trade finance, correspondent banking, treasury and securities custody services to business clients, and private banking services to individuals;
•	We have a major presence in the global reinsurance market;
•	We have operations in more than 30 countries.

Our people

•	69,873 people employed;
•	60,812 full-time equivalent positions;
•	$6.4 billion paid in employee compensation and benefits;
•	$132.8 million invested in employee learning;
•	Approximately 80 per cent of eligible employees own our shares through employee savings and share ownership plans.

Our clients

•	More than 12 million personal, business and public sector clients;
•	More than 600,000 small and medium enterprise clients;
•	2.4 million* telephone clients;
•	2.6 million* online clients.

Our network

•	2,085 branches and other service delivery units; 1,297 of these in Canada;
•	4,401 automated teller machines (ATMs); 4,062 of these in Canada.

Our clients’ banking preferences*
(number of financial transactions made)

•	103 million in-branch;
•	20 million by telephone;
•	Over 329 million through our ATMs;
•	61 million online (including Internet banking);
•	466 million at point-of-sale.

Our economic impact

•	$3.1 billion paid in taxes;
•	$3.7 billion spent on goods and services, from suppliers of all sizes;
•	$1.7 billion spent on technology.

Our community investments

•	$37 million donated to charities, almost half to education and health;
•	Over $20 million goes to sponsorships, primarily for amateur athletics, the arts and community events;
•	RBC is a founding member of Imagine, a program encouraging Canadian corporations to participate in charitable giving;
•	Our employees devote tens of thousands of hours to charitable causes in their communities.

* These numbers refer to RBC Royal Bank clients in Canada as of October 31, 2003.