Barclays Global Financial Services Conference

Progress to date business reshaping - A shift toward Retail & Commercial Banking Operating Profit by Business Line, % 20071 Retail & Commercial 64% GBM 36% Q2122 Markets 18% Retail & Commercial 82% Revenue by Geography, % Attractive mix of UK / Non-UK 20073 H1124 Non-UK 45% UK 55% Target Markets c20% Retail & Commercial c80% Target Non-UK 41% Non-UK c40% UK UK 59% c60% 1 RBS Group. 2 Core business ex Direct Line Group. 3 RBS Group Statutory Revenue ex Insurance. 4 Core Revenue ex Insurance. *RBS Group CO

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