In the diagram above, SACP describes the unsupported group credit profile of RBSG. We do not assign a stand-alone credit profile to this group. Strong position in U.K. commercial and corporate banking and a leading position in U.K. retail banking. Funding and liquidity profiles compare well with U.K. peers. Improving capitalization and asset quality. Long-running restructuring and execution risk in completing the repositioning of the bank's business model and performance. Conduct and litigation charges likely to drag on earnings prospects in 2016, and possibly beyond. The stock of nonperforming assets remains larger than that of U.K. peers. The positive outlook on The Royal Bank of Scotland Group PLC (RBSG) reflects our view that there is at least a one-in-three chance
