Commercial & Private Banking Further innovation and use of digital channels to enhance market leading position Delivering for customers Increasing use of digital (1) Commercial Net Promoter Score Bankline updated, a new best in class Commercial online web access tool 21 20 18 195,000 daily users 15 9 270,000 payments processed daily Nearly 80% of commercial customers interact with us digitally - targeting 95% by 2020 Q4 Q1 Q2 Q3 Q4 2015 2016 Further digital initiatives: (1) #1 Joint top Commercial NPS ESME: unsecured and alternative lending solutions #1 Commercial UK market share(2) £151m Investment raised through our 12 NIFT: Simplifying customer T&Cs Entrepreneurial Spark hubs #1 Best Private Bank in UK Biocatch: leading edge fraud prevention Global Private Banking Awards (1) Source: Charterhouse Research, Business Banking Survey – Q4 2016, Commercial Banking £2m- Question: How likely would you be to recommend (bank). (2) Source: Charterhouse Research 4 quarters 1bn (combination of NatWest and Royal Bank of Scotland in GB), Base: claimed main bank, Data is 4 ending Q4 2016; Business turnover £2m-£1bn, excluding Future W&G, estimate based on combining main 11 quarterly rolling and weighted by Region & Turnover to be representative of businesses in GB, Latest bank customers of NatWest in England & Wales with main bank customers of Royal Bank in Scotland. base size: RBSG (935). Latest base size: Total Market (3181)