The Royal Bank of Scotland Group plc provides banking and financial products and services to personal, commercial and large corporate and institutional customers. The company serves the needs of its retail, business, commercial and corporate customers. Organized under three customer-facing franchises, the company’s core businesses are centered around the U.K. and Ireland markets with a focused international capability. Personal & Business Banking (PBB) PBB comprises two segments, UK Personal & Business Banking (UK PBB) and Ulster Bank RoI. PBB serves individual and mass affluent customers together with small businesses. PBB’s principal brands are NatWest in England and Wales, Royal Bank of Scotland in Scotland, and Ulster Bank RoI in the island of Ireland. The operations of Ulster Bank in Northern Ireland have been combined with the main U.K. business. UK PBB includes Ulster Bank customers in Northern Ireland. Ulster Bank RoI serves individuals and businesses in the Republic of Ireland (RoI). Commercial & Private Banking (CPB) CPB comprises three segments: Commercial Banking, Private Banking, and RBS International (RBSI). CPB serves commercial and corporate customers, operating principally through the NatWest and Royal Bank of Scotland brands, and high net worth individuals, through Coutts and Adam & Co. In Jersey, Guernsey, the Isle of Man and Gibraltar, RBSI serves a range of retail, commercial, corporate, and financial institution customers. CPB intends to support the U.K. and Western European economies through its provision of credit and banking services to help businesses improve. Private Banking serves UK connected high net worth individuals. Corporate & Institutional Banking (CIB) CIB serves the company’s major corporate and institutional clients. CIB business has a core focus on the U.K. and Western Europe corporates and global financial institutions, shaped around three product lines: Rates, Currencies and Financing. The business is undergoing a multi- year transformation, which was launched in 2015. The company has a long-standing relationship with Whitbread, the U.K.’s major hospitality company, which owns various brands, including Premier Inn, Costa Coffee, Beefeater and Brewers Fayre. CIB serves UK and Western European corporate customers, and global financial institutions, supported by trading and distribution platforms in the U.K., the U.S., and Singapore. Capital Resolution Capital Resolution includes CIB Capital Resolution and the remainder of RBS Capital Resolution (RCR). Williams & Glyn (W&G) W&G comprises RBS England and Wales branch-based businesses, along with certain small and medium enterprises and corporate activities across the U.K. Central Items & Other Central Items & Other includes corporate functions, such as treasury, finance, risk management, compliance, legal, communications and human resources. Central functions manage RBS capital resources and RBS-wide regulatory projects, and provide services to the segments. Balances in relation to Citizens and the international private banking business are included in Central items in the relevant periods. The company primarily serves the U.K. and Republic of Ireland customers through retail and commercial banking activities. PBB provides various traditional retail banking products, including current and savings accounts, residential mortgages and credit cards in the U.K. through UK PBB and in the Republic of Ireland through Ulster Bank RoI. CPB provides loan products and investment services. History The company was founded in 1727. It was incorporated and registered in Scotland under the Companies Act 1948 as a limited company in 1968 under the name National and Commercial Banking Group Limited. In 1979, the company changed its name to The Royal Bank of Scotland Group Limited. Further, the company changed its name to The Royal Bank of Scotland Group plc in 1982 and was registered under the Companies Acts 1948 to 1980 as a public company with limited liability.
royal bank of scot-spon adr
36 St Andrew Square
Edinburgh, EH2 2YB
Phone: 44 1315 568 555
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