Growth and risk profile New mortgage lending 2016 (average LTV by weighted value), £bn 71% 74% 70% 70% 69% 62% 59% 62% 62% 61% 55% 54% UK PBB Ulster Bank Private RBSI W&G Total ROI Owner occupied average LTV by weighted value Buy to let average LTV by weighted value 49

FY Results | RBS Group - Page 49 FY Results | RBS Group Page 48 Page 50