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Strong liquidity position

  • RBC name is well received in the wholesale markets

    • $30 billion in term funding, securitization and capital since October 2007

    • Have funded in a variety of markets at tight levels compared to global peers

  • Representative transactions include:

    • US$4 billion 5yr extendible at $Libor+30bps first coupon (September ’08)

    • C$400 million non-cumulative preferred shares at 5% (September ’08)

    • US$1.5 billion 1yr FRN at $Libor+20bps (August ’08)

    • Euro 3 billion 3yr fixed rate at Mid Swaps + 80bps (July ’08)

    • C$1 billion 10 non-call 5 subdebt at $Libor+109bps (June ’08)

    • US$4 billion 5yr extendible at $Libor+30bps first coupon (April ’08)

    • ¥146.3 billion 3yr and 5yr Samurai at ¥Libor+70bps and ¥Libor+81bps (April ’08)

    • C$500 million PerpNC10 step-up Tier 1 at $Libor+246bps (April ’08)

    • Euro 1.25 billion 10yr covered bond at Mid Swaps + 20bps (January ’08)

  • Modest term funding requirements through to end of 2009

    • Less than $13 billion of maturities over the next 15 months (includes term funding, securitization and capital)

RBC | INVESTOR PRESENTATION

39

High quality, liquid balance sheet provides significant flexibility

$637 billion

Assets

(as at July 31, 2008) 77

Cash and Repos 12%

176

Trading and Investment securities 28%

40% liquid assets

189

Retail Loans 30%

Loan portfolio represents 43% of total balance sheet

Wholesale Loans 13%

81

114

126

Other Assets (1) 17% Liabilities & Capital

128

Personal Deposits 20% Business & Government Deposits 21%

40% relationship deposits

104 70

51 41

117

(1) Unsecured short-term funding 16% Secured short-term funding 11% Long-term funding 8% Capital 6% Other Liabilities 19%

35% wholesale funding

RBC | INVESTOR PRESENTATION

(1) Other assets include $69bn of derivatives related assets, largely offset in derivatives related liabilities in other liabilities.

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