1H24 Financial Results

41 Loan losses Loan impairment expense remains low Loan loss rate¹ bpts 13 11 13 17 Consumer Corporate 11 12 1H23 2H23 33 25 76 21 20 19 50 16 16 43 15 15 16 12 10 7 9 9 24 23 13 11 20 8 10 14 15 26 26 16 4 13 17 19 17 18 18 18 18 18 17 11 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 1H24 Loan loss rate by business unit 1,2 bpts 1H23 1H24 24 18 11 9 9 2 (8) (8) RBS BB IB&M ASB Group 1. Loan impairment expense as a percentage of average Gross loans and acceptances annualised. 2. Comparative information has been restated to conform to presentation in the current period. 79

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