Barclays Global Financial Services Conference

Summary and conclusions. External Economic and market backdrop likely to remain challenging for some time, keeping customer activity subdued But the factors necessary for economic recovery are being addressed ■Regulatory change remains intense, the end state is clarifying, although key. uncertainties remain RBS Progress RBS change and recovery programme has made substantial progress The 'safety and soundness' agenda continues to go well Core businesses are resilient, gathering underlying strength, but remain economy dependent H2 APS exit and Direct Line Group IPO the next milestones **RBS Group 27

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