The Royal Bank of Scotland Group plc Annual results 2016 Contents Page Introduction 2 Highlights 3 Chief Executive’s message 16 Summary consolidated results 19 Analysis of results 21 Segment performance 30 Statutory results 48 Notes 55 Statement of directors' responsibilities 63 Forward-looking statements 64 Appendix 1 – Segmental income statement reconciliations Contacts For analyst enquiries: Alexander Holcroft Investor Relations +44 (0) 20 7672 1758 For media enquiries: RBS Press Office +44 (0) 131 523 4205 Analysts and investors conference call RBS will host a presentation for analysts and investors on the results for the year ended 31 December 2016. Details are as follows: Date: Friday 24 February 2017 Time: 9.30 am UK time Conference ID: 62910737 Webcast: www.rbs.com/results Dial in details: International – +44 (0) 1452 568 172 UK Free Call – 0800 694 8082 US Toll Free – 1 866 966 8024 There will also be a call for fixed income analysts and investors. The details are as follows: Date: Friday 24 February 2017 Time: 1.30 pm UK time Conference ID 57346988 Webcast: www.rbs.com/results Dial in details: International – +44 (0) 1452 568 172 UK Free Call – 0800 694 8082 US Toll Free – 1 866 966 8024 Available on www.rbs.com/results ● Announcements and slides ● Annual Report and Account 2016 ● A financial supplement containing income statement, balance sheet and segment performance information for the nine quarters ended 31 December 2016 ● Pillar 3 Report 2016 ● Pillar 3 Capital instruments annex 1 RBS – Annual results 2016