The Royal Bank of Scotland Group plc, through its subsidiaries, provides banking and financial services in the United Kingdom, the United States, and internationally. The company’s subsidiaries include The Royal Bank of Scotland plc and National Westminster Bank Plc (NatWest). In the United States, the company’s subsidiary, RBS Citizens Financial Group, Inc., operates as a commercial banking organization. The company provides a range of products and services to personal, commercial, and corporate and institutional customers. Divisions U.K. Retail This division offers a range of banking products and related financial services to the personal market. It serves customers through various channels, including the company and NatWest network of branches and automated teller machines in the United Kingdom, telephony, online, and mobile. U.K. Corporate This division provides banking, finance, and risk management services to the corporate and small and medium enterprise sector in the United Kingdom. It offers a range of banking products and related financial services through a nationwide network of relationship managers, and also through telephone and Internet channels. The product range includes invoice finance through the RBSIF brand and asset finance through the Lombard brand. Wealth This division provides private banking and investment services in the U.K. through Coutts & Co and Adam & Company, offshore banking through RBS International, NatWest offshore and Isle of Man Bank, and international private banking through Coutts & Co Ltd. International Banking This division serves companies with a client proposition focused on financing, risk management and transaction services. It serves as the delivery channel for markets products to international corporate clients. The division also serves international subsidiaries of clients from other RBS Group divisions (U.K. Corporate, Ulster Bank and U.S. Retail & Commercial) through its international network. Ulster Bank This division is a retail and commercial bank in Northern Ireland and the Republic of Ireland. It provides a range of financial services through both its Retail Banking division, which provides loan and deposit products through a network of branches and direct channels, and its Corporate Banking division, which provides services to businesses and corporate customers. U.S. Retail & Commercial This division provides financial services primarily through the Citizens and Charter One brands. This division engages in the retail and corporate banking activities through its branch network in 12 states in the United States and through non-branch offices in other states. Markets This division is an origination, sales, and trading business across debt finance, fixed income, and currencies. This division offers a unified service to the company’s corporate and institutional clients. This division's sales and research teams build ongoing client partnerships, provide market perspective and access, and work with this division’s trading and structuring teams to meet the client’s objectives across financing, risk management, investment, securitization, and liquidity. Markets is focused on the company’s core fixed income capabilities across rates, foreign exchange, asset backed products, credit and debit capital markets, while de-emphasizing capital intensive structured product areas. Central Functions This division includes corporate functions, such as treasury, finance, risk management, compliance, legal, communications and human resources. The Centre manages the company’s capital resources and Group-wide regulatory projects and provides services to the operating divisions. Non-Core The division contained a range of businesses and asset portfolios primarily from the legacy GBM businesses, higher risk profile asset portfolios, including excess risk concentrations, and other illiquid portfolios. It also included various other portfolios and businesses, including regional markets businesses. Business Services This division supports the customer-facing businesses and provides operational technology, customer support in telephony, account management, lending and money transmission, global purchasing, property and other services. Business Services drives efficiencies and supports income growth across multiple brands and channels by using a single, scalable platform and common processes wherever possible. Strategy The company has a strategy to deliver a sustainable bank with a clear ambition, it want to be number one for customer service, trust and advocacy, in every one of its chosen business areas by 2020. History The Royal Bank of Scotland Group plc was founded in 1727.
royal bank of scotland group
PO Box 1000
Edinburgh, EH12 1HQ
Phone: 44 13 1556 8555
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