Consistent Progress Investor Presentation

Conclusions RBS ■ Our strategy remains unchanged. We continue to defend our world-class franchises and invest in growth businesses that will diversify our business mix ■Good progress in creating a truly refocused business - but much still to do Delivered strong shareholder value in line with leading industry peers ■We continue to invest to improve our RoE: increase efficiency, reduce costs and deliver new platforms ■Regulation is the most critical issue facing our industry. Precise impact remains uncertain, mitigation planning will continue to evolve over time.

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