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Strong financial profile

(1)

Total Revenue ($ billions)

Net Income ($ billions)

8.1% CAGR

(2)

22.5

25.1% CAGR

5.5

17.8

19.2

20.6

16.8

16.5

4.7

4.2

3.4

3.4

2.8

2004

2005

2006

2007

YTD/07 YTD/08

2004

2005(3)

2006

2007

YTD/07 YTD/08

Return on Equity (%)

Diluted Earnings per Share ($)

900 bps

15.6

18.0

23.5

24.6

25.1

18.7

25.7% CAGR

3.59

4.19

3.18

2.57

2.57

2.11

2004

2005

2006

2007

YTD/07 YTD/08

2004

2005(3)

2006

2007

YTD/07 YTD/08

RBC | INVESTOR PRESENTATION

  • (1)

    Includes writedowns after-tax and compensation adjustments of $160 mm in Q4/07 ($357 mm pre-tax) and $886 mm in YTD/08 ($1,782 mm pre-tax). Refer to the Q3.08 Report to Shareholders (RTS) for further details.

  • (2)

    Compound annual growth rate (CAGR) is the rate at which an investment grows annually to reach a given end value.

  • (3)

    Includes Enron litigation charge reserve of $326 mm ($591 mm pre-tax).

Earnings by business segment

$ millions

Canadian Banking

Wealth Management

17% CAGR

1,569

2004

1,852

2005

2,124

2006

2,545

2007(1)

27% CAGR

370

502

604

762

2004

2005

2006

2007

582 549

YTD/07 YTD/08

1,748

1,986

YTD/07 YTD/08

Insurance

22% CAGR

246

155

302

442

2004

2005

2006

2007

International Banking

(2)

340

330

YTD/07 YTD/08

Capital Markets

(3)

24% CAGR

127

256

261

242

2004

2005

2006

2007

RBC | INVESTOR PRESENTATION

221

53

YTD/07 YTD/ (1)

(2) (3)

(4)

19% CAGR

1,355

1,292

1,106

771

686

586

08

2004

2005

(4)

2006

2007

YTD/07 YTD/08

Includes $269 mm ($326 mm pre-tax) gain from the exchange of our membership interest in Visa Canada Association for shares of Visa Inc. Includes writedowns after-tax of $33 mm in Q3/08 ($53 mm pre-tax). Includes writedowns after-tax and compensation adjustments of $160 mm in Q4/07 ($357 mm pre-tax) and $663 mm ($1,486 mm pre-tax) in YTD/08. Refer to the Q3.08 RTS for further details. Includes Enron litigation charge reserve of $326 mm ($591 mm pre-tax).

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