RBS 2015 Annual Report Download - page 11
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Invest to
Grow
UK PBB Commercial Banking RBS International
46% Income
19% RWAs
Adj. cost:income ratio: 58%
28% Income
41% RWAs
Adj. cost:income ratio: 55%
3% Income
5% RWAs
Adj. cost:income ratio: 43%
Actions
Increase mortgage market
penetration
Deepen customer relationships
Achieve positive operating jaws
Grow lending and non-interest
income
Deepen customer relationships
Achieve positive operating jaws
Grow support for Funds and
mortgage customers
Increase capital efficiency
Reposition as a NRFB
Reposition
for Returns
Ulster Bank RoI Private Banking CIB
5% Income
11% RWAs
Adj. cost:income ratio: 78%
6% Income
5% RWAs
Adj. cost:income ratio: 80%
12% Income
19% RWAs
Adj. cost:income ratio: 104%
Actions
Significant cost reduction
Increase capital efficiency by
reducing NPL and drag from
tracker mortgages
Support the ongoing Irish
macro recovery
Significant cost reduction
Drive growth by leveraging
great brands, and Commercial
and UK PBB customer base
Continue multi-year
transformation:
-Stabilise income and cut
costs
-Reduce RWAs
-Connect to Commercial
Income and RWA figures are business as a % of FY15 adjusted Income (£11,422m) and RWAs (£175bn) across all 6 core businesses:
Our plan to improve returns and performance
Each business is taking a clear set of actions
8