Investor Presentaiton

RBWM Investment Case The repositioning impacted the rate of revenue growth in 2013 and 2014, but we are confident the quality of revenues is improving... Principal RBWM revenue progress 1Q11 to 1Q151 USD 3.3% CAGR³ Design and policy (2012) • Business Risk Review . New Risk Profiling tool • New global policy to protect Potentially Vulnerable Clients • Implementation (2013) Global Product Range Review First phase of new sales Incentive Frameworks² Global Sales Quality Standards • Global Mystery Shopping 0.3% CAGR4 • Implementation (2014) • Fair Value Exchange Second phase of new sales Incentive Frameworks² Updated Financial Planning Standards 3.4% YoY5 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 2011 2012 2013 2014 2015 1. Principal RBWM financial data presented on an "adjusted" basis with comparatives translated at Mar 2015 exchange rates 2. 1Q13: Global Wealth Incentive Framework (GWIF) globally, and Retail Bank Incentive Framework (RBIF) in Canada, USA and UK; 1Q14: GWIF and RBIF in all other markets 3. FY10-FY12 CAGR based on 2014 average exchange rates 4. FY12-FY14 CAGR based on 2014 average exchange rates 5. 1Q15 vs 1Q14 y/y growth 8

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