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Chris Pearson Roadshow presentation London


									Make it happen

Welcome to the RBS Intermediary Roadshow
Chris Pearson, Director of Intermediary Sales

The RBS Intermediary Roadshow                   September 9, 2008
The RBS Intermediary Roadshow

    Group results

•    Operating profit of £10.3bn, up 9% in

•    Interim results 2008 - underlying profit
     £5,1bn. Write-downs of £5.9bn. Headline
     loss of £691 million.
•    Benefits from ABN acquisition revised
     upwards by 33%.

•    40 million customers world-wide.

•    Market value.

•    Economic footprint.

The RBS Intermediary Roadshow

     Group facts

      – 40 million customers in over 50 countries.

      – 170,000 employees in over 50 countries, speaking over 30 languages.

      – Each week we invest more than £1m in communities around the world.

      – 11 million transactions a day.

      – 6th largest employer in the FTSE 100.

The RBS Intermediary Roadshow

     Balance sheet lender

 •   LIBOR, cost to the customer.

 •   No reliance on the sale of
     mortgage assets.

 •   A stimulated market may first
     have appetite for quality prime
     mortgage assets.

 •   Main mortgage originators now
     balance sheet lenders.

 •   Strong capital base.

The RBS Intermediary Roadshow

 Rights issue

 •   Supported by 95% of shareholders, we are well placed to
     continue growing our business and supporting our

 •   We have acted decisively in light of the unprecedented
     changes and challenges experienced in global markets - this
     is an issue for the whole industry.

 •   Our appetite is stronger than ever

 •   We are very much open for business and expect to do a
     lot more business in 2008.

The RBS Intermediary Roadshow

  RBS IP update

     A period of great progress:

      – Start of the journey 1st May 2007
      – Re-aligned sales structure.
      – Fast-track.
      – Income verification.
      – Know your customer (KYC).
      – Investment in products, process and service.
      – Residential valuation panel.
      – High value mortgage proposition
      – Enhanced income types acceptance i.e. family
        tax credit, My ChoiceHome Buy
      – Shared equity schemes - “My Choice” home
      – 110% rental cover for B2L
      – LiveTalk
      – New products

The RBS Intermediary Roadshow

       Our Roadshow

   •    We’re here to demonstrate
         – Our commitment to the market.
         – Other opportunities which exist in the
           market that will add real value to your
         – How we can help you capitalise on
           these opportunities.
         – Our breadth of offer in the
           intermediary sector.
   •    For you
         – Get closer to RBS
         – Get close to the Claret Jug and RBS
           Six Nations Trophy,
         – CPD accredited.

The RBS Intermediary Roadshow

     RBS Intermediary Roadshow

      Agenda for the day

        – Keynote speakers
        – Business development
           – Buy-to-let
           – Current account mortgages
           – Commercial finance
           – Bridging finance
           – Offshore finance
           – Rural Mortgages
           – TCF
           – Marketing your business
           – Mortgage:brain
           – Trigold
        – Q&A panel session


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