Royal bank of scotland group investor presentation

RBS Group Structure CUSTOMERS I Ulster Bank ■ Direct Line I RBS I RBS Citizens I First Active ■ Churchill NatWest NatWest ■ Charter One Direct brands ■ Personal I Coutts Business ■ Corporate Personal ■ Privilege NIG ■ International ■ Small business ■Credit cards ■ Wealth management ■Commercial ■ Mid-corporate ■ Large corporate Financial institutions Personal ■Business Commercial ■ Mid-corporate I RBS Greenwich Capital " Ulster Bank RBS Insurance Retail Markets MANUFACTURING Corporate Banking & Financial Markets Citizens Technology Operations Services Slide 4

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