Branch, ATM and Online Banking Network
Canada
We opened 28 new bank branches/facilities in 2008 and expect
to open as many as 25 more in 2009. Over half of our branches
are open extended hours, and we continue to look for opportunities
to offer extended hours wherever there is a demand. We continued
to expand our retail insurance branch network with 14 new
locations added in 2008. We have the largest sales force in
Canada, including mobile specialists who go to our clients'
homes any day of the week a client chooses. These include
mortgage specialists, insurance representatives, investment
and retirement planners, and specialized sales forces for
business and commercial clients. Our clients can bank online
or by phone, or use our ATMs anytime they want. In 2008, we
introduced Mobile Banking, which lets clients access RBC®
Online Banking over their Internet-enabled mobile phone or
handheld device.
Banking and Insurance Network in Canada
| |
Branches |
Bank machines
(ATMs) |
Insurance branches |
| 2008 |
1,174
|
4,149
|
35
|
| 2007 |
1,146
|
3,946
|
21
|
| 2006 |
1,117
|
3,847
|
9
|
Online Banking Client Enrollments*
(millions)
| 2008 |
4.8 |
| 2007 |
4.2 |
| 2006 |
3.5 |
* Includes personal and business clients
in Canada enrolled for online banking services as of each
fiscal year-end (October 31).
Online Banking Active Users*
percentage of RBC customers (%)
| 2008 |
23% |
| 2007 |
21% |
| 2006 |
19% |
* RBC Customers who are actively using
on-line banking solutions (measured by transactions)
Branches in local communities
RBC has programs for assessing the impact of any decisions
to add or remove branches in local communities. In Canada,
we comply with federal legislation in our commitment to:
- Provide clients and communities with four months' advance
notice of network reconfigurations/branch closures (six
months' notice in the case of rural communities where there
is no other financial institution within a 10 km radius)
- Ensure community leaders and public officials are aware
of our reconfiguration initiatives and have an understanding
of service alternatives for the affected communities.
See our report on 2008
Canadian bank branch/facility openings, closings and relocations.
United States
RBC Bank has 439 banking centres and over 500 ATMs serving
the southeastern U.S. In 2008, we added 103 banking centres
to our footprint with the completion of the Alabama National
BanCorporation (ANB) in Georgia, Alabama and Florida. We offer
telephone and Internet banking, and our customers can use
their Pocket Check and credit cards at more than 800 Presto!
ATMs located in Publix Super Markets. We specialize in serving
individuals, businesses, business owners and professionals,
and we offer customers the new option of remote deposit capture,
which allows them to transmit scanned cheques to us for posting
and clearing. Busy consumers with wireless global positioning
satellite devices can now easily locate an RBC branch or ATM
anywhere in continental North America.
Caribbean
With the acquisition of RBTT in 2008, RBC increased its presence
in the Caribbean to 127 branches and 312 ATMs, including a
number of ATMS in off-site locations such as gas stations,
public transport hubs and supermarkets. Across the Caribbean
we have ATMs that dispense U.S. currency and we are the only
Trinidad and Tobago bank that has U.S. currency ATMs. In several
Caribbean countries, RBC clients can bank via telephone or
online.
