UBS Global Financial Services Conference

As good as it gets? RBS Group Operating Profit Growth +31% 2000 Profitability - is it sustainable? 2001 Growth prospects in a low inflation environment +32% 2002 Opportunities in uncertain times +12% 2003 Capturing value in a challenging environment 2004 Managing for growth +11% +15% 2005 As good as it gets? RBS Group operating profit before tax, goodwill amortisation and integration costs as reported Slide 4

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