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   We will go further on costs and faster on digital transformation to deliver a better customer experience


 Costs are down and capital is solid with lending and income growth in the core bank


 Targeting profitability in 2018 and achieving Return on Tangible Equity by 2020


 The fundamentals of our strategy remain unchanged


  We have made progress in dealing with legacy issues


 Financial targets have been hit three years running


Our blueprint for lasting success
Committed to being the No. 1 bank for customers

Note: (1) Excluding litigation and conduct costs, restructuring costs, write down of goodwill and the 2016 VAT release of £227m.