City National The way up. ®

Russell Goldsmith Chairman and Chief Executive Officer

Christopher J. Carey Chief Financial Officer

Goldman Sachs U.S. Financial Services Conference New York, December 9, 2014

America’s Premier Private & Business Bank

Founded: 1954

Headquarters: Los Angeles

Assets: $32.0 billion

Market Cap: ~$4.0 billion

Offices: 77 (16 regl ctrs)

Colleagues: 3,600

Locations: Southern California Northern California New York City Nevada, Nashville and Atlanta

AUM/A: $61.2 billion

SM

Why City National?

1. Unique market position

2. Critical mass in key markets

3. Diversified business model

4. Successful acquisitions

5. Wealth management

6. Technology and new products

7. Profitable growth and asset sensitivity

8. Strong balance sheet and credit quality

Unique Market Position

Mega-Banks Assets > $100B

Assets < $5B

Community Banks

Fortune 1000

Retail Customers

Businesses: $1M – $250M

Individuals1: Assets > $1M

Income > $250K

TOTAL ASSETS CLIENTS

1 City National’s Preferred Banking initiative targets individuals with income of $100,000 or more and investible assets of $250,000 or more.

$32.0B Client Focus

Talent

Capabilities

Values

Reputation

Critical Mass in Key Markets

Los Angeles

Population: 10.0 Million

Businesses: 347,000

Branches: 32

Loans + Deposits: $32 Billion

San Francisco Bay Area Population: 6.1 Million

Businesses: 223,400

Branches: 12

Loans + Deposits: $3 Billion

Orange County/ San Diego Population: 6.3 Million

Businesses: 247,600

Branches: 15

Loans + Deposits: $3 Billion

New York City

Population: 8.3 Million

Businesses: 117,500

Branches: 2

Loans + Deposits: $3 Billion

Source: United States Census Bureau, InfoGroup, City National Bank

Industry Specialties $6.5

Private Banking $1.0

Commercial Banking $0.8

Real Estate $0.4

Core Banking $0.2

Other $0.1

Commercial $9.0

CRE Mortgage $3.5

Residential Mortgage $4.9

RE Construction $0.5

Equity Lines $0.7

Installment $0.2

Corporate Bkg $1.8Entertainment $1.7Leasing $0.9International $0.8Franchise Finance $0.6ABL $0.4Technology $0.1Mtg Warehouse $0.1Healthcare $0.1

Diversified Business Model

Granular loan portfolio

Commercial Loan Portfolio 3Q14 Average Balances ($ in billions)

1. Excludes $283 million in CRE loans to franchisees

1

Total Loan Portfolio 3Q14 Average Balances ($ in billions)

Industry Specialties 3Q14 Average Balances ($ in billions)

Diversified Business Model

Entertainment Real Estate Legal Services

Technology Healthcare

Industry specialties

Corporate Banking

Equipment leasing

Asset-based lending

Franchise finance

Mortgage warehouse banking

Serving clients nationwide

Diversified Business Model

Growing branch network relationships with the affluent client segment through Preferred Banking

$0

$1

$2

$3

2010 2011 2012 2013 3Q2014

Loans Deposits Brokerage/MM/AUA

Managed Assets Total New Money

$0.4

$0.6

$ in

bill

ions

$1.0

$1.3

$1.8

$0.8 $0.9

$2.4

$1.1

$2.7

Diversified Business Model

Preferred Banking Balances

Successful Acquisitions

2009

One FDIC, one branch deal in CA

Acquired Lee Munder Capital Group

2012

Acquired First American Equipment Finance

Acquired Rochdale Investment Management

2010

Opened branch in NYC Acquired Datafaction Two FDIC, one branch

deals in CA and NV

2011

Opened branches in Nashville and Atlanta

FDIC deal in NV

San Francisco

San Jose

Reno

Las Vegas

Los Angeles Nashville

Atlanta

Rochester Boston

New York

San Diego

First American

Rochdale

Lee Munder

Expansion

Expansion

Expansion

Nevada Commerce

Sun West 1st Pacific

Imperial Capital Datafaction

Wealth Management

Serving high-net-worth and institutional clients:

2

Ranked among America’s top wealth managers for 14 years1

1. Barron’s Magazine: 2001-2014, based on assets under management at June 30

2. Excludes City National’s minority interest in Matthews International

3. YTD 2014 fee income calculated on an annualized basis

Growth in Client Assets2 and Fees

$ in

bill

ions

$ in millions

$266.7

$0

$75

$150

$225

$300

$0

$20

$40

$60

$80

2011 2012 2013 YTD2014

Administration Management Fee Income 3

$51.6 $57.2

$64.7 $61.2

City National Rochdale

City National Securities

Convergent Wealth Advisors

Lee Munder Capital Group

Wealth Management

Serving high-net-worth and institutional clients:

2

Ranked among America’s top wealth managers for 14 years1

1. Barron’s Magazine: 2001-2014, based on assets under management at June 30

2. Minority interest

3. YTD14 fee income calculated on an annualized basis

Growth in Client Assets and Fees

$ in

bill

ions

$ in millions

$266.7

$0

$75

$150

$225

$300

$0

$20

$40

$60

$80

2011 2012 2013 YTD2014

Administration Management

Matthews (20%) Fee Income

$54.7

$61.4

$69.9 $66.6

3

City National Rochdale

City National Securities

Convergent Wealth Advisors

Lee Munder Capital Group

Matthews International2

Technology and New Products

Better serve clients:

City National Online

Mobile Banking with FASTdeposit®

EASI LinkSM

Datafaction DFX

International Banking Online

EMV Chip Credit Cards

Achieve greater process and cost efficiencies:

Digital Platform

Big Data

Security

Compliance

Core 3.0

Continuous improvement, innovation and investment to:

Profitable Growth and Asset Sensitivity

3Q2014 Change1

Net income $ 68.7 mil. 8 %

Earnings per share $ 1.15 5 %

Revenue $ 323.7 mil. 7 %

Net interest income $ 215.8 mil. 1 %

Average loans2 $ 18.8 bil. 17 %

Average core deposits $ 26.4 bil. 11 %

Noninterest income $ 107.9 mil. 21 %

Assets under management $ 49.1 bil. 15 %

Loan loss allowance2 1.62% (9) %

1. Percentage change from 3Q2013 2. Excluding FDIC-covered loans

Earnings grew to a record level in 3Q14

Profitable Growth and Asset Sensitivity

Positioned well for rising interest rates

0%

10%

20%

30%

Dynamic Balance Sheet

Year 1 Year 2

Change in net interest income1

(Hypothetical gradual 200 basis point parallel increase)

1. From base case, which assumes stable rates and stable balance sheet 2. Assumes loans (excluding FDIC-covered loans) increase 13% per year and deposits decline 4% per

year compared to base case As of September 30, 2014

28.7%

6.9%

2

$58 million

$241 million

Strong Balance Sheet and Credit Quality

Loan balances have increased for 14 straight quarters

$ in

bill

ions

1. Excluding FDIC-covered loans

Average Loans1

$0

$5

$10

$15

$20

3Q2013 4Q2013 1Q2014 2Q2014 3Q2014

Commercial CRE Mortgage Residential Mortgage

RE Construction Equity Lines Installment

$16.0

$18.0 $16.8 $17.3

$18.8

Strong Balance Sheet and Credit Quality

Peer Group: National banks with assets of $10-$50 billion Source: SNL Financial

City National already complies with 2019 Basel III standards

5.3% 4.7%

2.9%

1.4%

12.4%

6.0% 5.0%

4.0%

0%

5%

10%

15%

2011 2012 2013 3Q2014CNB Peer Median

Nonaccruals to Tier 1 plus ALLL

$0

$7

$14

$21

$28

2011 2012 2013 3Q2014

Noninterest Bearing Other Interest Bearing CDs > $100K

Strong Balance Sheet and Credit Quality

Low-cost core deposits equal 98% of total balances1

$

in b

illio

ns

$19.3 $21.6

Average Deposits

$24.0

1. Based on 3Q2014 average deposit balances

$26.8

Why City National?

1. Unique market position

2. Critical mass in key markets

3. Diversified business model

4. Successful acquisitions

5. Wealth management

6. Technology and new products

7. Profitable growth and asset sensitivity

8. Strong balance sheet and credit quality

Forward-Looking Statements

This presentation contains forward-looking statements about the company, for which the company claims the protection of the safe harbor provisions contained in the Private Securities Litigation Reform Act of 1995.

A number of factors, many of which are beyond the company’s ability to control or predict, could cause future results to differ materially from those contemplated by such forward-looking statements. These factors include: (1) changes in general economic, political, or industry conditions and the related credit and market conditions and the impact they have on the company and its customers, including changes in consumer spending, borrowing and savings habits; (2) the impact on financial markets and the economy of the level of U.S. and European debt; (3) the effects of and changes in trade and monetary and fiscal policies and laws, including the interest rate policies of the Board of Governors of the Federal Reserve System; (4) limited economic growth and elevated levels of unemployment; (5) the effect of the enactment of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and the rules and regulations to be promulgated by supervisory and oversight agencies implementing the new legislation, taking into account that the precise timing, extent and nature of such rules and regulations and the impact on the company is uncertain; (6) the impact of revised capital requirements under Basel III; (7) significant changes in applicable laws and regulations, including those concerning taxes, banking and securities; (8) the impact of cyber security attacks or other disruptions to the company’s information systems and any resulting compromise of data or disruption in service; (9) changes in the level of nonperforming assets, charge-offs, other real-estate-owned and provision expense; (10) incorrect assumptions in the value of the loans acquired in FDIC-assisted acquisitions resulting in greater than anticipated losses in the acquired loan portfolios exceeding the losses covered by the loss-sharing agreements with the FDIC; (11) changes in inflation, interest rates, and market liquidity which may impact interest margins and impact funding sources; (12) the company’s ability to attract new employees and retain and motivate existing employees; (13) increased competition in the company’s markets and our ability to increase market share and control expenses; (14) changes in the financial performance and/or condition of the company’s customers, or changes in the performance or creditworthiness of our customers’ suppliers or other counterparties, which could lead to decreased loan utilization rates, delinquencies, or defaults and could negatively affect our customers’ ability to meet certain credit obligations; (15) a substantial and permanent loss of either client accounts and/or assets under management at the company’s investment advisory affiliates or its wealth management division; (16) soundness of other financial institutions which could adversely affect the company; (17) protracted labor disputes in the company’s markets; (18) the impact of natural disasters, terrorist activities or international hostilities on the operations of our business or the value of collateral; (19) the effect of acquisitions and integration of acquired businesses and de novo branching efforts; (20) changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board or regulatory agencies; and (21) the success of the company at managing the risks involved in the foregoing.

Forward-looking statements speak only as of the date they are made, and the company does not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the statements are made, or to update earnings guidance, including the factors that influence earnings.

For a more complete discussion of these risks and uncertainties, see the company’s Annual Report on Form 10-K for the year ended December 31, 2013 and particularly, Item 1A, titled “Risk Factors.”

Thank you.