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Credit quality – GIL and ACL

$ millions

Gross Impaired Loans

    • 0.76

      %

    • 0.70

      %

0.56%

2,156

0.38%

0.45%

1,885

1,572

1,670

1,810 221

279

68 254

131 262

253

229

0.63%

1,529

22 246

Allowance for Credit Losses

0.63%

0.65%

0.67%

0.69%

1,940

1,118

1,450

991

1,163

349

643

697

718

794

744

5 00

929

  • 0

    00

179

5 00

672

1,230

1,221

1,244

1,300

1,337

Q3/07

Q4/07

Q1/08

Q2/08

Q3/08

Q3/07

Q4/07

Q1/08

Q2/08

Q3/08

GIL Ratio Canada

U.S. Other International

General allowance Canada - specific

U.S. - specific Other International - specific

ACL Ratio

RBC | INVESTOR PRESENTATION

31

Credit quality – PCL

$ millions

0.41%

0.44%

0.29%

250

281

175

59

74

8

167

190

203

Q3/07 Q4/07

Q1/08

Specific PCL Ratio

Canada

140

206

Q2/08 U.S.

Specific Provision for Credit Losses 0.54%

350

0.47%

325

145

175

Q3/08 Other International

Change from Q2/08 to Q3/08 reflects:

  • Canada : Lower provisions in Canadian personal loans

  • U.S. : Higher provisions in our

    • U.

      S. banking operations (primarily relating to U.S. residential builder finance loans). These were mostly offset by lower provisions in our corporate lending portfolio which included a $35 million provision in Q2/08.

Q3/07

Q4/07

Q1/08

Q2/08

Q3/08

0.33%

0.36%

0.37%

0.38%

0.31%

0.13%

0.95%

1.14%

1.79%

1.57%

-

0.03%

0.12%

0.13%

0.15%

Specific PCL Ratio by geography

RBC | INVESTOR PRESENTATION

32

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