2. Why are we here? To see where we’re going: the future To talk about what our customers want To paint a picture of a bright future for our customers

3. Where is RBS now? We’ve responded to past challenges We’re proud of what we’ve done We’re no longer focused on fixing the business

4. But this is about looking The future of your business will look quite different, so future banking will need to be different too. It will be simpler, smarter and built around our customers’ ambitions. We’re committed to the future of our customers and bringing investment, jobs and growth to the whole country. We’re breaking the mould, with new products and services which help our customers to constantly move forward. We’re in the business of supporting the future needs of our customers today. We’re ready and able to make our customers’ future a reality today. We’re focused on your future, not ours.

5. We understand your business The future is a place where personal relationships are more important than ever, and rigorous training and accreditation is the norm. We’re the only bank investing in our people through professional training and accreditation from the Chartered Banker Institute. Our Relationship Managers spend two days every year working in local businesses to better understand their business - and to help customers meet their challenges and ambitions.

7. We’re delivering business expertise We want everyone to feel that they can start a new business - and know that we can and will support them in that journey. We’re giving our Relationship Managers specialist training in key business sectors and functions. We have partnerships with the NFU and British Hospitality Association to deliver business expertise and solutions in the agriculture and leisure sectors and to accredit our local specialist staff.

9. We’re making business banking easier and simpler Technology is becoming more sophisticated and products easier to use – and our interactive business banking app is externally recognised as the best around and Britain’s most used. Webchat, Bizcrowd, call-me-back services, business banking teams available 8am-8pm weekdays and 9am-2pm on Saturdays all make business banking easier. In the future, all banking will look like this. Customers will be managing their money absolutely wherever and whenever they like.

10. We share our customers’ ambitions We share our customers’ ambitions for the future, because we can only succeed when they do. We want to be an integral part of their journey. This means sharing their futures. We’re doing this by providing more access to new technology to do their banking and delivering services to customers to help them grow their businesses. We understand our customers’ ambitions and we’re in the business of supporting your future needs today.

11. We’re lending to SMEs and we want to lend more We’re lending at some of the best rates we have ever offered. We have £20bn to lend to support growth in our customers’ business. We are proactively writing to 100,000 creditworthy business customers telling them how much more we are able to lend.

13. Where do we want to get too? We want to be a really good bank, all of the time We’re offering products and services which help our customers to constantly move forward. We’re in the business of supporting the future needs of our customers today. We want to be the relationship bank of choice for SMEs.

14. We want you to take a look at your future Thanks for listening