Investor Presentaiton

RBWM Investment Case RBWM is now a simpler business, delivering sustainable, diversified revenues. Business transformation Principal RBWM Revenue by region¹ Simpler portfolio - Simplified our portfolio with 59 disposals/closures of business lines or markets - - Consistent organisation ◉ Implemented a common organisation design and target operating model Reduced costs ■ Reduced headcount by over 16,000 FTE² Principal RBWM Revenue and PBT1 USDbn Revenue PBT MENA 4% North 8% America Latin 19% America Europe 33% 23.8 24.2 24.0 22.9 Asia 36% 7.2 7.6 6.9 6.0 2014 2011 2012 2013 2014 1. Principal RBWM financial data presented on an "adjusted" basis with comparatives translated at average 2014 exchange rates 2. Number excludes impact of disposals (c. 10k FTE reduction) 4

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