Barclays Global Financial Services Conference

The capital journey RWAS Capital Management Headwinds Mitigation/Tailwinds > 10% 11.1 [0.8 ■Credit model changes. Basel III/CRD IV Non-Core run-down 10.3 Reduction in / removal of APS cover Restructure of Markets business ■Earnings generation H1 2012 Target APS Cover *RBS Group Targeting year end 2012 & 2013 CT1 at 10% or above post APS exit and regulatory impacts ■Currently estimating fully loaded Basel 3 CT1 at 31 December 2013 of 9.0-9.5% 24

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