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Always Earning the Right to Be Our Clients' First Choice

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Always Earning the Right to Be Our Clients' First Choice Royal Bank of Canada 2005 Annual Report Always earning the right to be our clients’ first choice Our vision Values Strategic goals • Always earning the right to be • Excellent service to clients and • To be the undisputed leader in our clients’ first choice each other the financial services industry in Canada • Working together to succeed • To build on our strengths in • Personal responsibility banking, wealth management for high performance and capital markets in the • Diversity for growth and United States innovation • To be a premier provider • Trust through integrity in of selected global financial everything we do services 1 Financial highlights 12 RBC U.S. and International 29 Financial review 2 Chairman’s message Personal and Business 141 Glossary 3 Chief Executive Officer’s 16 RBC Capital Markets 143 Directors and executive officers message 20 Corporate Support 144 Corporate governance 7 Performance compared to 21 Responding to you – Frequently 146 Principal subsidiaries objectives asked questions 147 Shareholder information 8 RBC Canadian Personal and 25 Corporate responsibility Business This annual report contains forward-looking statements within the meaning of certain securities laws, including the “safe harbour” provisions of the Securities Act (Ontario) and the United States Private Securities Litigation Reform Act of 1995. We caution readers not to place undue reliance on these statements as a number of important factors could cause our actual results to differ materially from the beliefs, plans, objectives, expectations, anticipations, estimates, and intentions expressed in such forward-looking statements. Additional information about these factors can be found under “Caution regarding forward-looking statements” on page 29. RBC at a glance RBC Canadian Personal and Business RBC U and B RBC corporate profile Business profile Busines Royal Bank of Canada (TSX, NYSE: RY), and its subsidiaries The RBC Canadian Personal and Business segment is a premier The RBC operate under the master brand name of RBC Financial manufacturer, marketer and distributor of financial products and consists Group, and may be referred to in this text as RBC. We are services, achieving leading market share in most key markets U.S.), Ca Canada’s largest bank as measured by assets and market with an extensive distribution network of proprietary, third-party manage capitalization and one of North America’s leading and specialized sales forces and strong client analytics. diversified financial services companies. We provide personal and commercial banking, wealth management Brands services, insurance, corporate and investment banking RBC Cen and transaction processing services on a global basis. Brands RBC Dain Our corporate support team enables business growth with RBC Royal Bank RBC Buil expert professional advice and state of the art processes RBC Investments Royal Ba and technology. We employ approximately 69,000 people RBC Dominion Securities who serve more than 14 million personal, business and RBC Roy RBC Insurance public sector clients throughout offices in North America RBC Liberty Insurance and some 30 countries around the world. Strategy In Canada, we have strong market positions in all of our • Leverage businesses. In personal and business banking, we rank Strategy for our in first or second in most retail products. In wealth manage- • Optimize our distribution channels. • Focus on ment, we have the leading full-service brokerage operation • Simplify processes and structures. build a le (by assets), the top mutual fund provider among Canadian • Focus on high-return markets. • Enhance banks and the second-largest self-directed broker (by • Deliver a assets). We are the largest Canadian bank-owned insurer, solution one of the top 10 Canadian life insurance producers, and a around t leader in travel insurance, creditor products and individual Key operating highlights disability insurance. In corporate and investment banking, • RBC Asset Management was the industry leader in sales of long- we continue to be the top-ranked securities underwriter term mutual funds with more than $6 billion in net sales in 2005. and the leading mergers and acquisitions advisor. • Introduction of innovative credit card products like the Starbucks Key ope • Improve We also have by far the largest Canadian custody Duetto Visa Card and the RBC Cathay Pacific Visa Platinum Card loans an operations (by assets under administration). Our domestic contributed to growth in our credit card business. delivery network includes 1,104 branches and 3,906 • Generate • RBC Insurance opened its first two new concept multi-line automated banking machines, 437 investment retirement sales ma insurance outlets located next to RBC Royal Bank branches. planners, 1,063 financial planners, 371 insurance agents • Increase and 975 mortgage specialists. Currently, we have • Introduc 3.5 million online and 2.5 million telephone clients. Change Private B (C$ millions, except percentage amounts) 2005/2004 2005 2004 In the United States, we provide personal and commercial Total revenue 12% $ 12,550 $ 11,223 banking, insurance, full-service brokerage and corporate Non-interest expense 4% $ 5,872 $ 5,630 (C$ millions, and investment banking services to about 1.5 million clients Insurance policyholder benefits, through RBC Centura, RBC Builder Finance, RBC Insurance, claims and acquisition expense 24% $ 2,625 $ 2,124 Total reve RBC Liberty Insurance, RBC Dain Rauscher and RBC Capital Net income 14% $ 2,337 $ 2,052 Non-inter Markets. Return on equity (ROE) (1) 270 bps 27.5% 24.8% Net incom Average loans and acceptances 10% $ 150,700 $ 137,100 Return on Average deposits 4% $ 138,800 $ 133,700 Average l Outside North America, we have a banking network in the Assets under administration 15% $ 180,300 $ 157,300 Assets un Caribbean and a presence in niche markets. In Europe, Assets under management 21% $ 63,400 $ 52,300 Assets un South America and the Middle East, we provide private # of branches 6 1,104 1,098 # of branc banking, international estate planning and wealth (1) ROE is calculated using month-end balances for the period, and is a non-GAAP financial (1) ROE i management services tailored for high net worth individuals, measure. For a further discussion and reconciliation, refer to the Key financial measures meas sophisticated investors and corporate and institutional (non-GAAP) section in the Management’s Discussion and Analysis. (non- clients. We also offer investment banking, trading, capital markets, reinsurance, securities custody and trade finance Business segment’s contribution to Busines to corporate, institutional and business clients. 2005 consolidated net income 2005 con In the Asia-Pacific region and Australia, we provide corporate and investment banking, trade finance, correspondent banking, treasury and securities custody 68% services to corporate clients, reinsurance to institutional and business clients and private banking services to individual clients. RBC U.S. and International Personal RBC Capital Markets and Business Business profile Business profile The RBC U.S. and International Personal and Business segment The RBC Capital Markets segment provides a wide range of consists of RBC Centura (personal and business banking in the investment banking, sales and trading, research and related U.S.), Caribbean banking, RBC Dain Rauscher (U.S. wealth products and services to corporations, governments, large management) and Global Private Banking. commercial and institutional clients. It is comprised of Global Markets, Global Investment Banking and Equity Markets, Institutional & Investor Services and Other line of business, which Brands consists of National Clients group, Research, and, aggregated RBC Centura under Global Credit, the non-strategic lending portfolio and RBC Dain Rauscher centralized management associated with the segment’s core RBC Builder Finance lending portfolios. Royal Bank of Canada Global Private Banking RBC Royal Bank of Canada Brands RBC Capital Markets Strategy • Leverage the global resources of RBC to develop local solutions for our individual and business clients. Strategy • Focus on businesses, business owners and professionals to • Advance our leadership in Canada. build a leading banking position in the Southeast U.S. market. • Achieve sustainable leadership in the U.S. mid market. • Enhance our market position in the Caribbean. • Become a leading trader and structurer of converging asset • Deliver a broad range of integrated advisory and balance sheet classes. solutions for our wealth management clients across the U.S. and • Build a top-tier global fixed income bank. around the globe. Key operating highlights Key operating highlights • Strengthened our global distribution and fixed income • Improved business performance at RBC Centura by increasing capabilities through the integration of RBC Dain Rauscher’s fixed loans and deposits, while reducing expenses. income operations. • Generated strong revenue in the Caribbean reflecting improved • Continued to build our presence in U.S. investment banking sales management processes. with such landmark transactions as the US$600 million stock • Increased fee-based assets at RBC Dain Rauscher by 24 per cent. issue for Southwestern Energy Company, the largest secondary • Introduced an integrated wealth management model for Global financing in the U.S. energy sector this year. Private Banking high net worth clients. • Announced the creation of a joint venture, RBC Dexia Investor Services, which will
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