RBS 2011 Annual Report Download - page 4

2RBS Group 2011
Wealth
We provide private banking and investment
services in the UK 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.
Ulster Bank
We are a leading retail and commercial bank
in Northern Ireland and the Republic of
Ireland. We provide a comprehensive range
of financial services through our Retail Markets
and Corporate Markets divisions.
see page 22 for further information
see page 24 for further information
Return
on equity (%)
Cost:income
ratio (%)
Loan:deposit
ratio (%)
2010 (21) 59 152
2011 (26) 60 143
Return
on equity (%)
Cost:income
ratio (%)
Loan:deposit
ratio (%)
2010 19 70 43
2011 19 71 44
Essential reading
Our Core businesses
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.
UK Corporate
We are a leading provider of banking,
finance and risk management services to the
corporate and SME (small and medium-sized
enterprise) sector in the United Kingdom.
We offer a full range of banking products
and related financial services.
see page 20 for further information see page 21 for further information
US Retail & Commercial
We provide financial services primarily in
the North Eastern United States through the
Citizens Bank, Charter One and RBS Citizens
brands. We are engaged in retail and
corporate banking activities.
RBS Insurance
We sell and underwrite retail and small
business insurance over the telephone and
internet, as well as through brokers and
partnerships. Our brands include Direct Line,
Churchill, Privilege, Green Flag and NIG.
see page 25 for further information see page 27 for further information
Return
on equity (%)
Cost:income
ratio (%)
Loan:deposit
ratio (%)
2010 18 53 110
2011 26 49 106
Return
on equity (%)
Cost:income
ratio (%)
Loan:deposit
ratio (%)
2010 12 43 110
2011 12 43 106
Return
on equity (%)
Cost:income
ratio (%)
2010 (7) 151
2011 10 65
Return
on equity (%)
Cost:income
ratio (%)
Loan:deposit
ratio (%)
2010 4 72 81
2011 6 72 85
RBS is rooted in the UK but we serve
personal, business and institutional
customers around the world. Our
businesses are strong players in the
markets in which we compete. As a
Group, the businesses are stronger
together than apart, to the benefit
of customers and shareholders.
Our priorities are:
•to serve customers well;
•to restore RBS to a sustainable and
conservative risk profile; and
•to rebuild sustainable value for all
shareholders.
We are building the new RBS on our Core
businesses. They have competitive strengths
in their markets. We are managing them so
that their performances will improve and they
can meet external challenges that arise.
We separately manage the businesses that
we are winding-down or plan to sell in our
Non-Core Division.