Barclays Global Financial Services Conference

Balance sheet - significant improvement. Deposits vs. wholesale funding, £bn Core bank deposits 1 Wholesale funding2 Short-term wholesale funding reduced by £235bn 432 402 394 414 342 FY09 H110 213 H112 Liquidity portfolio bolstered, £bn 90 FY08 73% 156 H112 297 (79%) 62 FY08 H112 Term wholesale funding maturities H112, £bn³ 36 33 23 <1 yr 1-3yr 3-5yr 54 >5yr 1 Excludes Non-Core deposits, repurchase agreements and stock lending. 2 Excludes repurchase agreements, includes subordinated liabilities. 3 Debt securities and subordinated liabilities excluding bank deposits and repurchase agreements. RBS Group 22

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