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Investor Presentaiton

Results Transformation programme - RWA saves FY20 RWA savings, $bn 24.4 9.9 o/w client optimisation: $5.4bn o/w Global Markets: $17.0bn 9.4 51.5 7.8 NRFB in Europe and the UK US GBM ex. US and NRFB Other FY20 saves FY20 highlights FY20 & 4Q20 results $51.5bn of saves over FY20*, primarily in GBM NRFB saves of $24.4bn, with $17.0bn in Global Markets. UK NRFB reductions of $16.5bn includes $15.6bn related to Global Markets. US reductions of $9.9bn, mainly in Global Markets and from client optimisation Other RWAs of $7.8bn mainly in CMB in UK RFB and Asia ♦ Expect c.$30bn of saves over FY21 Saves by global business ◆ Total GBM reductions of $37.4bn8; c.60% in Global Markets primarily from novation and exits of positions and c.40% in Global Banking primarily from client exits and remediation CMB reductions of $12.9bn largely in Europe, the UK RFB, Asia and US from portfolio and client optimisation *Note: In 2020, we achieved gross RWA reductions of $51.5bn, taking our cumulative RWA reductions to $61.1bn when including accelerated transformation saves of $9.6bn made over 4Q19 14
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