Overview Good progress on resolving legacy, next phase of our plan will increase focus on customers, cost base and bottom line profit Strong net lending and good income growth in the core bank Cost, capital and lending targets met three years running Unadjusted 12%+ ROTE and sub-50% cost to income ratio targets set for 2020(1) #1 customer service, trust and advocacy target reaffirmed (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 13 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.