CEO'S MESSAGE CONSOLIDATED RESULTS STATEMENTS RBS RESULTS CENTRE

Statutory results Condensed consolidated statement of comprehensive income for the period ended 31 December 2016 Year ended Quarter ended 31 December 31 December 31 December 30 September 31 December 2016 2015 2016 2016 2015 £m £m £m £m £m Loss for the period (5,248) (1,185) (4,307) (327) (2,599) Items that do not qualify for reclassification Loss on remeasurement of retirement benefit schemes (1,049) (73) (2) (52) (93) Tax 288 306 3 12 310 (761) 233 1 (40) 217 Items that do qualify for reclassification Available-for-sale financial assets (94) 44 68 (67) 139 Cash flow hedges 765 (700) (750) (66) (398) Currency translation 1,263 (1,181) (13) 205 (4) Tax (106) 108 191 63 2 1,828 (1,729) (504) 135 (261) Other comprehensive income/(loss) after tax 1,067 (1,496) (503) 95 (44) Total comprehensive loss for the period (4,181) (2,681) (4,810) (232) (2,643) Total comprehensive income/(loss) is attributable to: Non-controlling interests 121 370 (36) 32 13 Preference shareholders 260 297 68 79 74 Paid-in equity holders 244 88 93 56 47 Dividend access share 1,193 - - - - Ordinary shareholders (5,999) (3,436) (4,935) (399) (2,777) (4,181) (2,681) (4,810) (232) (2,643) 49 RBS – Annual results 2016

Annual Results Announcement - Page 56 Annual Results Announcement Page 55 Page 57

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Highlights
Key metrics & ratios 2016 RBS performance summary Q4 2016 RBS performance summary Building a stronger RBS Building the number one bank for customer service Capital reorganisation IFRS9 2017 outlook Medium term outlook 2017 targets
CEO'S MESSAGE CONSOLIDATED RESULTS
ANALYSIS
Net interest income Non-interest income Operating expenses Impairment (releases) / losses Capital and leverage ratios
SEGMENT PERFORMANCE
PBB & CBP Total income by segment Impairment losses / (releases) by segment Loans & advances to customers (gross) by segment UK Personal & Business Banking Ulster Bank RoI Commercial Banking Private Banking RBS International NatWest Markets Capital Resolution Williams & Glyn Central items
STATUTORY RESULTS
Condensed consolidated income statement Condensed consolidated balance sheet Condensed consolidated statement of changes in equity Condensed consolidated cash flow statement
STATEMENTS RBS RESULTS CENTRE