Progress on our strategy Continued strong net lending growth in our core businesses Net loans & advances to customers, £bn UK PBB Commercial Banking 10% 10% 120 132 91 100 FY 2015 FY 2016 FY 2015 FY 2016 Private Banking RBS International 9% 21% 11 12 9 7 FY 2015 FY 2016 FY 2015 FY 2016 6