Summary(1) Fundamentals of our strategy remain unchanged Progress in dealing with legacy issues Financial targets hit three years running - costs down, capital solid, lending and income growth in core bank Further on costs, faster on digital transformation to deliver a better customer experience Targeting profitability in 2018, and achieving 12%+ ROTE and sub-50% C:I by 2020 (1) The targets, expectations and trends discussed in this presentation represent management’s current expectations and are subject to change, including as a result of the factors described in this 30 document and in the “Risk Factors” 432 to 463 of the Annual Report and Accounts 2016. These statements constitute forward looking statements, please see Forward Looking Statements.