UBS Global Financial Services Conference

Citizens 2004 2003 Change $m $m Net interest income 2,821 2,143 +32% Non-interest income 1,102 841 +31% Total income Expenses 3,923 2,984 +31% 1,877 1,438 +31% Contribution before provisions Provisions 146 2,046 1,546 +32% 145 +1% Contribution 1,900 1,401 +36% Slide 32

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