RBC Business Segments and Market Strategy slide image

RBC Business Segments and Market Strategy

RBC Covered Bond Program Globally Active ■ Active program in six different currencies: EUR, CAD, USD, CHF, AUD and GBP Strong Issuer Largest Canadian bank by market capitalization - C$32.8BN currently outstanding ☐ Strong credit ratings ■ Seven benchmark transactions since January 2015 EUR 1.0BN 7-year C$2.2BN 5-year USD 1.75BN 5-year EUR 1.25BN 5-year GBP 400MM 3-year US$2.0BN 5-year US$500MM 3-year ■ Well capitalized and consistent historical profitability ■ Well diversified business mix RBC Canadian Legislative Changes ☐ ■ Canadian legislation protects claims of covered bond investors and overrides any other conflicting law related to bankruptcy and insolvency - Extensive regulatory oversight and pool audit requirements Mandatory property value indexation U.S. Registration ■ U.S. covered bond program is SEC registered - Issued US$13.75BN across seven deals since September 2012 - Index eligible and Trace eligible Appendix 39
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