Strong market positions across our customer brands RBSI - Isle of Man Royal Bank of Scotland (8) #1 Business(1) #1 Personal (2) #1 Business(9) Joint #1 Commercial (3) #2 Personal Ulster Northern Ireland (4) #1 Personal (5) #1 Business & Commercial NatWest (2) Joint #1 Commercial #2 Business(1) (3) #3 Personal Ulster RoI #3 Business(6) (7) #3 Commercial (4) #4 Personal NatWest Markets RBSI – Channel Islands Leading UK Corporate FX Provider(12) (10) #1 Gilts – EMEA FIs(13) Top 3 Guernsey #2 DCM – UK Corporates(14) (11) Top 3 Jersey (14) #8 DCM – Inv. Grade EU Corporates Note: Market share relates to the our geographic share in each region. This geographic share will be fully aligned to branding and legal entity as part of ring-fencing compliance. (1) Source Charterhouse Research 4 quarters ending Q4 2016, Main current account stock market share (business turnover of £0 - 2m) excluding Future W&G. (2) Source: Charterhouse Research 4 quarters ending Q4 2016 (business turnover of £2m - £1bn) excluding Future W&G (3) Source: Main current account stock market share holding level - based on GfK FRS 6 months ending Dec 2016; excluding Future W&G. (4) Personal: Main current account – based on IPSOS 4 quarters MAT ending Q4 2016 (5) Source: Charterhouse Research NI main current account market share based on 4 quarters ending Q4 2016 (business turnover £0 - £1bn). (6) PwC Business Banking Tracker 2016. Turnover <€2.5m. Named as main financial institution. (7) Source PwC Business Banking Tracker 2016. Turnover €2.5m+. Named as main financial institution. (8) Personal: IoM; Source GfK RBSI Group Market Share Dec 16 (Base size: IoM 500). (9) Business: IoM; Source GfK RBSI Group Market Share Dec 16 for businesses with a turnover of £0 - 2m (Base size: IoM 100). (10) Personal: Guernsey; Source GfK RBSI Group Market Share Dec 16 (Base size: Guernsey 501) and Business: Guernsey; Source GfK RBSI Group Market Share Dec 16 for businesses with a turnover of £0 - 2m (Base size: Guernsey 100). (11) Personal: Jersey; Source GfK RBSI Group Market Share Dec 16 (Base size: Jersey 500) and Business: Jersey; Source GfK RBSI Group Market Share Dec 16 for businesses with a turnover of £0 - 2m (Base size: Jersey 100). (12) by Market Share and Overall Service Quality – Greenwich Associates, Global FX Services – UK Corporates 2015. (13) by Market Share – Greenwich Associates, European Fixed Income – 9 Government Bonds 2016. (14) by deal value proceeds – Dealogic – 2016.

FY Results | RBS Group - Page 10 FY Results | RBS Group Page 9 Page 11