Diversified income streams FY 2016 Adjusted Income split by Strategic plan targets higher quality Core Franchise (%) of earnings in future Ulster Bank RoI UK Business Banking  Focus on customer loyalty, conducting 5% 6% more business with our most valuable UK Personal customers Banking 39%  Targeted growth in areas of opportunity 29% Commercial  Simplification and digital driving a better Banking customer experience at a lower cost  Low-risk profile and actions to improve 3% capital efficiency 13% 6% NatWest Markets RBSI Private Banking 52