. >> we are joined by jean-lu jean-luc carotti and caroline simmons. for me, the big takeaway from rbs is finally we're moving beyond that crisis era symbolic with this dividend, would you say? >> absolutely. i want to start with what i see on the street. up until six months ago, the main word was litigation now it's being substituted by the word innovation. i believe it's like a major change in the tone, major change in expectations of what banks are trying to do and results are showing good things revenue-wise, they're up, costs are under control. and provision for credit losses are down, which means the bottom line will benefit. >> i agree there is a change in tone, more optimism around innovation, at the same time there is caution around brexit speaking to the cfo at rbs, he said we are concerned about the growth impacts if brexit doesn't go the way the government wants to see it go is this a real concern are you seeing it in discount prices attributed to uk banking stocks >> i'd say that brexit is a major event, absolutely. i take a look at what h