Investor Presentaiton

Royal Bank of Scotland Insurance FACTS • £5.2bn GWP in 2005 Accounts for 20% of RBS income 91% of business is personal lines Multi-brand strategy Also owns Tracker, a vehicle tracking device provider 12.2% of total General Insurance Market Sells motor insurance in Spain, Italy and Germany and has 2 million policyholders in these countries Combined ratio of 104.9% on motor insurance in 2005 Retail DIRECT LINE churchill privilege TRACKER www.TRACKER.co.uk RBS brand strategy XRBS The Royal Bank of Scotland Group IAG Insurance Australia Group Broker nig finsure Devitt INSURANCE BROKERS RBS The of Sc Business Insurance Service Partner Uki PARTNERSHIPS Green Flag 0000 Inter Group Insurance Services Limited 20 20 Source: Datamonitor 2006

View entire presentation