Barclays Capital 2010 Global Financial Services Conference

Strategic Plan - timeline 2010/11 executing the plan RBS 2009 Formation of the Strategic Plan 2010/2011 Core profits build, Non-Core losses fall Creation of Non-Core £2.5bn cost saving programme announced Business restructuring and reinvestment ■New Management and Board APS entered into and Recapitalisation completed | Execution and implementation phase of the plan | 'Tools for the job' in place! Investment in Core franchises ■'Roll up our sleeves' Economic recovery takes hold ■Improvement in underlying Core performance 2012 onwards Target 15% ROE Ongoing revenue and cost initiatives ■Completion of Non-Core run- down 2013 targets achieved Returns - Risk Franchise 7

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