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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.