UBS Global Financial Services Conference

Citizens Excluding Acquisitions $m 2004 2003 Change $m Net interest income Non-interest income 2,352 2,124 +11% 856 838 +2% Total income 3,208 2,962 +8% Expenses 1,525 1,430 +7% Contribution before provisions 1,683 1,532 +10% Provisions 113 145 -22% Contribution 1,570 1,387 +13% Slide 33

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