Consistent Progress Investor Presentation

Investing in our people and infrastructure People Proposition Technology / infrastructure Market standard reward philosophy Performance based - Deferral policy Staff turnover levels normalised ■ Significant investment in training and development Investing in the future: GBM Graduate. programme in Top 20 in The Times survey 2011 £350m p/a incremental investment to date in sustainable and efficient platform £300m invested in improving system resilience Continued RBS Group investment in Finance and Risk platforms to improve risk management ■Industry-leading offshore capability Continued investment in electronic platforms RBS

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