Contents Page Section 1 Highlights 1.1a Income Statement & Key Metrics - Non Statutory 3 1.1b Income Statement & Key Metrics - Statutory 5 1.1c Earnings Per Share 6 1,2 Balance Sheet & Key Metrics 7 Section 2 Analysis of Results 2,1 Income Statement & Analysis 9 2,2 Capital & Leverage Ratios 11 Section 3 Segment Performance 3,1 Key measures Segment Performance 12 3,2 UK Personal & Business Banking 24 3,3 Ulster Bank RoI 26 3,4 Commercial Banking 30 3,5 Private Banking 32 3,6 RBS International 34 3,7 NatWest Markets 36 3,8 Capital Resolution 38 3,9 Williams & Glyn 40 3.10 Centre 42