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Canadian Banking net interest margin

3.15%

3.10%

3.08%

3.00%

2.95%

Q2/07

Q3/07

Q4/07

Q1/08

Q2/08

Q3/08

3.4%

3.0%

2.6%

3.26%

3.24%

3.19%

3.25%

2.2%

Q3/06

Q4/06

Q1/07

  • YoY net interest margin decrease reflects change in retail product mix attributable to growth in our home equity lending and high-interest savings account products, and the lower interest rate environment.

YoY net interest income up 6%. YoY volumes up 15% in personal core deposits

(1)

and 17% in home equity lending (includes

residential mortgages and home equity lines and loans all underwritten to the same high standard and secured by a first lien on the property).

RBC | INVESTOR PRESENTATION

(1) Excludes GICs

Robust balance sheet

$ billions

Total Loans

(1)

Total Deposits

(2)

238

231

270

344

365

376

409

171

190

209

271

307

2004

2005

2006

2007

Q3/07

Q3/08

2004

2005

2006

2007

Q3/07

Q3/08

Total Assets

Shareholders’ Equity

600

605

637

29

426

470

537

18

20

22

24

25

2004

2005

2006

2007

Q3/07 Q3/08

2004

2005

2006

2007

Q3/07

Q3/08

RBC | INVESTOR PRESENTATION

  • (1)

    Net of allowance for loan losses.

  • (2)

    Consists of personal, business, government

and wholesale funding deposits.

29

30

15

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