RBS 2010 Annual Report Download - page 16

RBS Group 201014
Our Core businesses
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UK Retail
Global Transaction
Services
Global
Banking
& Markets
US Retail &
Commercial
UK Corporate RBS Insurance
Wealth
Ulster Bank
Non-Core
Target 2013
Becoming the most
helpful retail bank
in the UK.
Target 2013
Strong wholesale bank,
built around clients
in chosen markets,
with much lower risk.
Target 2013
A leading US
super-regional bank.
Target 2013
Our 2009 settlement with the
European Commission requires
that we must divest, at least,
the controlling interest in
RBS Insurance by the
end of 2013.
Target 2013
Leading provider
focused on re-building
sustainable value for
customers and the bank.
Target 2013
Leading global player,
serving Group clients and
with a central role in
deposit gathering.
Target 2013
Restructuring to
sustainable profitability
as the Irish economy
recovers.
Target 2013
Leading UK provider
with global reach,
providing growth and
substantial funding
to the Group.
Our Non-Core businesses
are the areas that are
now separately managed
and will be wound down or
sold, with the proceeds
reducing Group debt.
The new RBS is built upon
our Core businesses, which
have substantial competitive
strengths in their respective
markets. Each is being
reshaped to provide improved
and enduring performance.
They will generate attractive
value in their own right, and
a still stronger, balanced and
more valuable mix together.
UK Retail
We offer a comprehensive range of banking
products and related financial services to the
personal market. We serve customers through
the RBS and NatWest networks of branches
and ATMs, and also through telephone and
internet channels.
Return Cost:income Loan:deposit
on equity (%) ratio (%) ratio (%)
2009 3 60 115
2010 18 52 110
2013 >15 c.50 <105
UK Corporate
We are the leading provider of banking,
finance and risk management services to the
corporate and SME sector. We offer a full
range of banking products and related
financial services.
Return Cost:income Loan:deposit
on equity (%) ratio (%) ratio (%)
2009 9 43 126
2010 12 43 110
2013 >15 <35 <130