RBS 2015 Annual Report Download - page 5
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2
Phase 1 – 2014 Phase 2 – 2015/16 Phase 3 – 2017 to 2019
Building financial strength Becoming #1
Improve our core businesses and
deal with Citizens, Capital
Resolution, and Williams & Glyn
Rebuild capital strength
– CET1 ratio +260bps
during 2014
De-risk – US ABP, RCR,
NPLs, liquidity portfolio
Start cost reduction plan
– £1.1bn savings
achieved
Simplify our
organisational structure
Cement customer-centric
positioning – #1 for
customer service, trust
and advocacy by 2020
Achieve attractive,
balanced and
sustainable financial
returns – target 12+%
RoTE in 2019
Accelerate the transformation
of our core businesses
Achieve material RWA
reduction from our Capital
Resolution exit
Address other material
remaining issues
Delivering on the second phase of our plan
Improving core businesses and addressing residual conduct issues
Discussions around resumption
of dividends / buy-backs(1)
Pay out surplus capital above 13%
CET1 ratio subject to PRA
approval(1)