FY & Q4 2016 Summary FY 2016 attributable loss of £6,955m, including £5,868m conduct & litigation provisions. Q4 2016 attributable loss of £4,441m Adjusted operating profit for combined PBB, CPB and NWM of £4,249m up 4% vs. FY 2015; adjusted ROTE of 11.1% Cost, capital and lending targets met three years running A substantial number of legacy issues progressed and absorbed into TNAV (DAS, pensions, conduct, restructuring costs and disposal costs) PBB, CPB and NWM RWAs now represent 80% of total RWAs from 50% at FY 2014 FY 2016 CET1 of 13.4%; TNAV per share of 296p 15