"At this meeting a year ago, I said RBS had begun its transition from problem to opportunity, an opportunity for the UK Government and, of course, for you and all our other shareholders.

Well, a year on and now halfway into our turnaround plan, I am pleased to say our businesses are shaping up and our recovery is clearly underway. We have made particular progress on reducing risk and refocusing the Group. There is still a lot of work to do and many obstacles to overcome, but we are on track to meet our ambitious goals."

You can read the full speech (PDF 432MB).

The AGM principally seeks approval for the Accounts for 2010, the Remuneration Report, the re-election of Directors and a number of other resolutions as set out in the Letter to Shareholders on 16 March 2011 (PDF 255KB).

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