RBS 2012 Annual Report Download - page 7

05
RBS GROUP 2012
Performance highlights 2012 2011
Return on equity (%) (21.8) (22.8)
Cost:income ratio (%) 62 58
Loan:deposit ratio (%) 130 143
see page 26 for further information
Performance highlights 2012 2011
Return on equity (%) 8.3 6.3
Cost:income ratio (%) 73 72
Loan:deposit ratio (%) 86 85
see page 27 for further information
Performance highlights 2012 2011
Return on equity (%) 10.0 6.1
Cost:income ratio (%) 64 77
see page 28 for further information
Performance highlights 2012 2011
Return on tangible equity (%) 11.7 10.3
Combined operating ratio (%) 100 101
see page 29 for further information
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.
Direct Line Group
Direct Line Group is a retail general insurer with leading market
positions in the UK and businesses in Italy and Germany.
Our brands include Direct Line, Green Flag, Churchill and Privilege.
Markets
We provide financing, risk management and advisory services to
the Group’s corporate and institutional clients.
Core income by division – 2012 Total income by region – 2012
Markets
17.6%
International
Banking
8.3%
UK Retail
19.5%
Ulster
Bank
3.3%
Wealth 4.6%
US Retail &
Commercial
12.1%
UK
Corporate
18.5%
EU 11%
RoW 3%
UK 66%
US 20%
Note: Excluding one-off
and other items.
Note: Excluding one-off
and other items.
US Retail & Commercial
We provide financial services primarily in the Northeastern,
Mid-Atlantic and Midwest United States through the Citizens Bank,
Charter One and RBS Citizens brands. We are engaged in retail
and corporate banking activities.
Direct Line
Group
14.6%
Centre
1.5%