1H24 Financial Results

| Key Key highlights By division RBS Retail MFI Share1 BB Business MFI Share1 IB&M Funding contribution5 ASB Net Promoter Score6 Gap to nearest peer 35.0% +18.5pp Gap to nearest peer +7.4pp Cumulative, 26.3% +$8bn #1 #3 Jun 18 to Dec 23 34.7% 23.2% 24.7% $64bn $72bn 34.2% Dec 17 Dec 22 Dec 23 Dec 17 Dec 22 Dec 23 Dec 22 Dec 23 Business Retail Retail transaction accounts² Volumes Credit RWA Volume growth? 12 months to Dec 23 +6% Total Dec 23 1.2m Growth³ vs Jun 20 Growth4 vs Dec 22 Reduction in CRWA over 7 yrs ~($50bn) ~+$60bn System ASB 6.6% 10,288 10,677 10,949 +10% vs Dec 22 ~+40% vs Jun 20 1.3x system $102bn 2.6% 3.0% 2.8% $53bn '000 Dec 22 Jun 23 Dec 23 0.2% 0.2% Transaction Business Business accounts deposits lending Dec 16 Dec 23 Business Home Deposits lending lending 1, 2, 3, 4, 5, 6, 7, 8. Refer to sources, glossary and notes at the back of this presentation for further details. 17

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