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  • Annual report and subsidiary results 2013 – The Royal Bank of Scotland plc
    results 2015 2014 2013 2012 2011 2010 Archived 2014 at a glance 2014 performance Business review Progress in 2014 Chairman s statement Chief Executive s review Key economic indicators Governance at a glance Risk overview Sustainability Download centre Fixed income investors Fixed income factbook Issuance plan Fixed income presentations Credit ratings Securitisation Covered bonds Unsecured securities documentation Company legal structure Bearer shares RBS plc IPED business transfer to BNP Paribas Presentations Archived presentations Regulatory news Company announcements SEC filings Email alerts Share data Share price information Share price downloads Share price chart Ordinary share dividends Equity ownership statistics Shareholder centre Managing your shareholding Shareholder meetings Corporate actions NatWest shareholders Shareholder events Sign up for E Comms Shareholder FAQs Events calendar Annual report and subsidiary results 2015 2014 2013 2012 2011 2010 Archived Annual report and subsidiary results RBS Group Annual Report and Accounts 2014 View summary report online Download full Annual Report and Accounts PDF 14 9MB 2015 2014 2013 2012 2011 2010 Archived Year 2015 2014 2013 2012 2011 2010 Archived RBS Group RBS Annual Report Accounts 2013 RBS Strategic Report 2013 RBS Pillar 3 Report 2013 RBS Plc RBS plc Annual Report RBS plc Full Year Announcement RBS plc Half Year Results NatWest Plc NatWest plc Annual Report NatWest plc Full Year Announcement NatWest plc Half Year Results RBS N V Annual Report and Accounts RBS Holdings N V Abbreviated Financial Statements The Royal Bank of Scotland N V RBS Holdings N V Half year announcement RBS N V Half year announcement Ulster Bank Ulster Bank Ltd Annual Report Ulster Bank Ireland Ltd Annual Report Ulster Bank Group Pillar 3 Document Citizens Citizens How to receive printed copies of our reports As part of our commitment to the environment we aim to reduce the number of printed copies

    Original URL path: http://www.investors.rbs.com/annual-report-subsidiary-results/2013.aspx (2016-02-13)
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  • Annual report and subsidiary results 2012 – The Royal Bank of Scotland plc
    results 2015 2014 2013 2012 2011 2010 Archived 2014 at a glance 2014 performance Business review Progress in 2014 Chairman s statement Chief Executive s review Key economic indicators Governance at a glance Risk overview Sustainability Download centre Fixed income investors Fixed income factbook Issuance plan Fixed income presentations Credit ratings Securitisation Covered bonds Unsecured securities documentation Company legal structure Bearer shares RBS plc IPED business transfer to BNP Paribas Presentations Archived presentations Regulatory news Company announcements SEC filings Email alerts Share data Share price information Share price downloads Share price chart Ordinary share dividends Equity ownership statistics Shareholder centre Managing your shareholding Shareholder meetings Corporate actions NatWest shareholders Shareholder events Sign up for E Comms Shareholder FAQs Events calendar Annual report and subsidiary results 2015 2014 2013 2012 2011 2010 Archived Annual report and subsidiary results RBS Group Annual Report and Accounts 2014 View summary report online Download full Annual Report and Accounts PDF 14 9MB 2015 2014 2013 2012 2011 2010 Archived Year 2015 2014 2013 2012 2011 2010 Archived RBS Group RBS Group Remuneration Disclosures RBS Group Annual report RBS Group Annual review RBS Group Pillar 3 Document RBS Plc RBS Plc Annual report RBS Plc Full year announcement RBS Plc Half year results NatWest Plc NatWest Plc Annual report NatWest Plc Full year announcement NatWest Plc Half year results RBS N V RBS Holdings N V Annual report RBS N V Full year announcement RBS Holdings N V Half year announcement RBS N V Half year announcement Ulster Bank Ulster Bank UBG Annual report Ulster Bank UBIL Annual report Citizens 2012 Annual Report for Citizens Coutts 2012 Annual Report for Coutts How to receive printed copies of our reports As part of our commitment to the environment we aim to reduce the number of printed copies

    Original URL path: http://www.investors.rbs.com/annual-report-subsidiary-results/2012.aspx (2016-02-13)
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  • Annual report and subsidiary results 2011 – The Royal Bank of Scotland plc
    Results archive Annual report and subsidiary results 2015 2014 2013 2012 2011 2010 Archived 2014 at a glance 2014 performance Business review Progress in 2014 Chairman s statement Chief Executive s review Key economic indicators Governance at a glance Risk overview Sustainability Download centre Fixed income investors Fixed income factbook Issuance plan Fixed income presentations Credit ratings Securitisation Covered bonds Unsecured securities documentation Company legal structure Bearer shares RBS plc IPED business transfer to BNP Paribas Presentations Archived presentations Regulatory news Company announcements SEC filings Email alerts Share data Share price information Share price downloads Share price chart Ordinary share dividends Equity ownership statistics Shareholder centre Managing your shareholding Shareholder meetings Corporate actions NatWest shareholders Shareholder events Sign up for E Comms Shareholder FAQs Events calendar Annual report and subsidiary results 2015 2014 2013 2012 2011 2010 Archived Annual report and subsidiary results RBS Group Annual Report and Accounts 2014 View summary report online Download full Annual Report and Accounts PDF 14 9MB 2015 2014 2013 2012 2011 2010 Archived Year 2015 2014 2013 2012 2011 2010 Archived RBS Group RBS Group Annual report RBS Group Annual review RBS Group Pillar 3 Document RBS Plc RBS Plc Annual report RBS Plc Full year announcement RBS Plc Half year announcement NatWest Plc NatWest Plc Annual report NatWest Plc Full year announcement NatWest Plc Half year announcement RBS N V RBS Holdings N V Annual report RBS N V Full year announcement RBS Holdings N V Half year announcement RBS N V Half year announcement Ulster Bank Ulster Bank UBG Annual report Ulster Bank UBIL Annual report Citizens Annual report for Citizens How to receive printed copies of our reports As part of our commitment to the environment we aim to reduce the number of printed copies of our documents by making

    Original URL path: http://www.investors.rbs.com/annual-report-subsidiary-results/2011.aspx (2016-02-13)
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  • Annual report and subsidiary results 2010 – The Royal Bank of Scotland plc
    Results archive Annual report and subsidiary results 2015 2014 2013 2012 2011 2010 Archived 2014 at a glance 2014 performance Business review Progress in 2014 Chairman s statement Chief Executive s review Key economic indicators Governance at a glance Risk overview Sustainability Download centre Fixed income investors Fixed income factbook Issuance plan Fixed income presentations Credit ratings Securitisation Covered bonds Unsecured securities documentation Company legal structure Bearer shares RBS plc IPED business transfer to BNP Paribas Presentations Archived presentations Regulatory news Company announcements SEC filings Email alerts Share data Share price information Share price downloads Share price chart Ordinary share dividends Equity ownership statistics Shareholder centre Managing your shareholding Shareholder meetings Corporate actions NatWest shareholders Shareholder events Sign up for E Comms Shareholder FAQs Events calendar Annual report and subsidiary results 2015 2014 2013 2012 2011 2010 Archived Annual report and subsidiary results RBS Group Annual Report and Accounts 2014 View summary report online Download full Annual Report and Accounts PDF 14 9MB 2015 2014 2013 2012 2011 2010 Archived Year 2015 2014 2013 2012 2011 2010 Archived RBS Group RBS Group Sustainability Report RBS Group Annual report RBS Group Remuneration disclosure RBS Group Annual review RBS Group Pillar 3 disclosure RBS Plc RBS Plc Annual report RBS Plc Full year announcement RBS Plc Half year announcement NatWest Plc NatWest Plc Annual report NatWest Full year announcement NatWest Half year announcement RBS N V RBS Holdings N V Annual report RBS N V half year Announcement RBS Holdings N V half year announcement RBS Holdings N V Q1 Ulster Bank Ulster Bank Annual report Citizens Annual report for citizens How to receive printed copies of our reports As part of our commitment to the environment we aim to reduce the number of printed copies of our documents by making them

    Original URL path: http://www.investors.rbs.com/annual-report-subsidiary-results/2010.aspx (2016-02-13)
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  • Annual report and subsidiary results Archived – The Royal Bank of Scotland plc
    RBS Blog Multimedia library Sustainability Sustainability at RBS Serving customers well Serving society Working at RBS Supporting communities External assurance Sustainability download Home Investors Annual report and subsidiary results Investors Our investment case Results centre Results archive Annual report and subsidiary results 2015 2014 2013 2012 2011 2010 Archived 2014 at a glance 2014 performance Business review Progress in 2014 Chairman s statement Chief Executive s review Key economic indicators Governance at a glance Risk overview Sustainability Download centre Fixed income investors Fixed income factbook Issuance plan Fixed income presentations Credit ratings Securitisation Covered bonds Unsecured securities documentation Company legal structure Bearer shares RBS plc IPED business transfer to BNP Paribas Presentations Archived presentations Regulatory news Company announcements SEC filings Email alerts Share data Share price information Share price downloads Share price chart Ordinary share dividends Equity ownership statistics Shareholder centre Managing your shareholding Shareholder meetings Corporate actions NatWest shareholders Shareholder events Sign up for E Comms Shareholder FAQs Events calendar Annual report and subsidiary results 2015 2014 2013 2012 2011 2010 Archived Annual report and subsidiary results RBS Group Annual Report and Accounts 2014 View summary report online Download full Annual Report and Accounts PDF 14 9MB 2015 2014 2013 2012 2011 2010 Archived Year 2015 2014 2013 2012 2011 2010 Archived RBS Group RBS Group Annual report 2009 RBS Group Annual report 2008 RBS Group Annual report 2007 RBS Group Annual report 2006 How to receive printed copies of our reports As part of our commitment to the environment we aim to reduce the number of printed copies of our documents by making them available online in accessible electronic formats Rather than order a hard copy why not view your desired report online or download a PDF Better still how about signing up to receive reports electronically in

    Original URL path: http://www.investors.rbs.com/annual-report-subsidiary-results/archived.aspx (2016-02-13)
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  • 2014 performance – The Royal Bank of Scotland plc
    IPED business transfer to BNP Paribas Presentations Archived presentations Regulatory news Company announcements SEC filings Email alerts Share data Share price information Share price downloads Share price chart Ordinary share dividends Equity ownership statistics Shareholder centre Managing your shareholding Shareholder meetings Corporate actions NatWest shareholders Shareholder events Sign up for E Comms Shareholder FAQs Events calendar 2014 at a glance 2014 performance Business review Progress in 2014 Chairman s statement Chief Executive s review Key economic indicators Governance at a glance Risk overview Sustainability Download centre 2014 performance 3 470m Attributable loss 3 503m Operating profit 1 2 643m Profit before tax 11 2 Common Equity Tier 1 ratio 2 356bn RWAs 95 Loan deposit ratio 3 28bn Short term wholesale funding 4 151bn Liquidity portfolio 4 2 Leverage ratio 5 8 0 Return on tangible equity 6 68 Cost income ratio adjusted 7 2 23 Net interest margin RBS reported an attributable loss of 3 5 billion following a 4 0 billion writedown on Citizens Operating profit 1 was 3 5 billion Significant progress was made towards building a bank that is stronger simpler and better for both customers and shareholders RBS reported an attributable loss of 3 470 million in 2014 compared with a loss of 8 995 million in 2013 The result included a loss from discontinued operations of 3 445 million which reflected a 3 994 million fair value write down in relation to the reclassification of Citizens to disposal groups and a tax charge of 1 9 billion which included a 1 5 billion write off of deferred tax assets Operating profit totalled 3 503 million for 2014 compared with an operating loss of 7 500 million in 2013 This reflected improved operating results from the core domestic businesses together with significant impairment releases in Ulster Bank and RBS Capital Resolution RCR These results include 1 257 million of restructuring costs compared with 656 million in 2013 and 2 194 million of litigation and conduct costs compared with 3 844 million in the prior year UK Personal Business Banking UK PBB delivered a good performance built on strong growth from a reinvigorated mortgage business Commercial Banking s efforts to stimulate demand resulted in a resumption of loan book growth together with active management of cost and capital this supported a significant improvement in profitability Corporate Institutional Banking CIB made good progress towards a lower risk model with a further 40 billion reduction in risk weighted assets RWAs on an endpoint CRR basis Financial Results 3 470m Attributable loss 3 503m Operating profit 1 2 643m Profit before tax 11 2 Common Equity Tier 1 ratio 2 356bn RWAs 95 Loan deposit ratio 3 28bn Short term wholesale funding 4 151bn Liquidity portfolio 4 2 Leverage ratio 5 8 0 Return on tangible equity 6 68 Cost income ratio adjusted 7 2 23 Net interest margin Notes 1 Operating profit before tax own credit adjustments gain on redemption of own debt write down of goodwill strategic

    Original URL path: http://www.investors.rbs.com/2014-at-a-glance/2014-performance.aspx (2016-02-13)
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  • Business review – The Royal Bank of Scotland plc
    RBS s retail and commercial strategy Throughout 2014 the business has made steady progress in making banking fairer and simpler for its customers through a number of fair banking initiatives and technology investments These included extending services to the Post Office network removing 0 teaser deals from its offering and introducing the new Clear Rate and cash back credit cards in 2014 RBS became the first of the main high street banks to ensure all of its savers get the same or better deals as new customers further developing online and mobile banking services to support the upward trend in digital transaction volumes For 2014 Personal and Business Banking download the Annual Report 2014 PDF 304KB Performance highlights 2014 2013 Return on equity 11 9 3 7 Net interest margin 2 93 2 81 Cost income ratio 65 73 Net loans and advances to customers bn 101 6 100 2 Customer deposits bn 122 9 127 9 Loan deposit ratio 83 78 Risk weighted assets bn 75 5 77 8 Note RWAs at 31 December 2013 are on Basel 2 5 basis and on the end point CRR basis at 31 December 2014 Performance overview CPB recorded an operating profit of 1 440 million compared with 469 million in the prior year Net interest income increased by 112 million or 4 largely reflecting re pricing activity on deposits partly offset by the impact of reduced asset margins a result of the net transfer in of lower margin legacy loans after the cessation of Non Core Total expenses were down 304 million or 10 reflecting lower litigation and conduct costs primarily relating to interest rate swap redress and lower underlying direct costs RWAs were 2 3 billion lower at 75 5 billion primarily reflecting net transfers to RCR effective 1 January 2014 and improving credit quality on the back of UK economic recovery offset by loan growth Building a better bank that serves customers well Within Commercial Banking over 120 products were removed from sale and over 400 process improvements implemented There has been an improvement in the Net Promoter Score and rating of overall service quality across the business together with a continuing fall in complaints The first out of eight accelerator hubs opened in February 2015 offering free space support and advice to high growth business owners Within Private Banking the business has progressed well against key priorities in 2014 Improvements are evidenced by several industry awards including Best private bank in the UK PWM The Banker and Most innovative digital offering Private Banker International Coutts continues to be recognised as a leader in philanthropy with its 1 million donors report receiving significant media coverage and its expertise as an adviser for family businesses and existing entrepreneurs remains a strong point of differentiation For 2014 Commercial and Private Banking download the Annual Report 2014 PDF 380KB Performance highlights 2014 2013 Return on equity 4 2 12 9 Cost income ratio 123 144 Net loans and advances to customers excluding reverse repos bn 72 8 68 2 Customer deposits excluding repos bn 59 4 64 8 Risk weighted assets bn 107 1 120 4 Note RWAs at 31 December 2013 are on Basel 2 5 basis and on the end point CRR basis at 31 December 2014 Performance overview CIB recorded an operating loss of 892 million compared with a loss of 2 882 million in 2013 Total income declined by 21 reflecting reduced deployment of resources and difficult trading conditions characterised by subdued levels of client activity and limited market volatility Operating expenses fell by 2 360 million driven primarily by lower litigation and conduct costs Adjusted expenses 1 decreased by 1 006 million or 22 reflecting the continued focus on cost savings across both business and support areas Net impairment releases totalled 9 million compared with a net impairment charge of 680 million in 2013 reflecting a reduction in latent loss provisions and a low level of new impairments Funded assets fell by 10 reflecting the focus on core product areas including the wind down of Credit Trading and the US ABP businesses RWAs were managed down by 40 0 billion from 147 1 billion on 1 January 2014 to 107 1 billion on 31 December 2014 Building a better bank that serves customers well CIB focused on its strengths in core product areas during 2014 reducing the scale of the business and simplifying the operating model This allowed CIB to better serve customers while deploying fewer resources The commitment to customers was demonstrated by the award of The Banker s Most Innovative Bank in Risk Management in Q3 2014 and by winning IFR magazine s Sterling Bond House of the year award in Q4 2014 The drive to concentrate on core products is evidenced by the 27 fall in RWAs compared with 1 January 2014 on an end point CRR basis and the 22 year on year fall in adjusted expenses 1 1 excluding restructuring and litigation and conduct costs For 2014 Corporate and Institutional Banking download the Annual Report 2014 PDF 495KB Performance highlights 2014 2013 Return on equity 6 6 5 7 Cost income ratio 69 74 Net loans and advances to customers bn 93 1 83 2 Customer deposits excluding repos bn 94 6 91 1 Loan deposit ratio 98 91 Risk weighted assets bn 106 8 92 8 Note RWAs at 31 December 2013 are on Basel 2 5 basis and on the end point CRR basis at 31 December 2014 Performance overview 1 Operating profit increased by 306 million or 32 to 1 253 million reflecting the Q2 2014 gain on the sale of the Illinois franchise The former Non Core portfolio is now included and indirect expenses are no longer allocated on a prospective basis from 1 January 2014 On a comparable basis operating profit excluding the impact of the Illinois sale 283 million net gain and restructuring costs 169 million 2013 24 million was up 16 driven by an increase

    Original URL path: http://www.investors.rbs.com/2014-at-a-glance/business-review.aspx (2016-02-13)
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  • Progress in 2014 – The Royal Bank of Scotland plc
    a glance Fixed income investors Presentations Regulatory news Share data Shareholder centre Events calendar News and opinion Economic opinion RBS Blog Multimedia library Sustainability Sustainability at RBS Serving customers well Serving society Working at RBS Supporting communities External assurance Sustainability download Home Investors 2014 at a glance Progress in 2014 Investors Our investment case Results centre Results archive Annual report and subsidiary results 2015 2014 2013 2012 2011 2010 Archived 2014 at a glance 2014 performance Business review Progress in 2014 Chairman s statement Chief Executive s review Key economic indicators Governance at a glance Risk overview Sustainability Download centre Fixed income investors Fixed income factbook Issuance plan Fixed income presentations Credit ratings Securitisation Covered bonds Unsecured securities documentation Company legal structure Bearer shares RBS plc IPED business transfer to BNP Paribas Presentations Archived presentations Regulatory news Company announcements SEC filings Email alerts Share data Share price information Share price downloads Share price chart Ordinary share dividends Equity ownership statistics Shareholder centre Managing your shareholding Shareholder meetings Corporate actions NatWest shareholders Shareholder events Sign up for E Comms Shareholder FAQs Events calendar 2014 at a glance 2014 performance Business review Progress in 2014 Chairman s statement Chief Executive s review Key economic indicators Governance at a glance Risk overview Sustainability Download centre Progress in 2014 We have a clear ambition to become No 1 for customer service trust and advocacy In 2014 our focus has been on Cost Capital Restructuring and Resilience We have also begun the process of making RBS a simpler place to work and an easier bank to do business with Notes 1 During the period of CIB restructuring 2 Excludes restructuring conduct litigation and intangible write off charges as well as the operating costs of Citizens Financial Group and Williams Glyn 3 Global Financial Services GFS

    Original URL path: http://www.investors.rbs.com/2014-at-a-glance/progress-in-2014.aspx (2016-02-13)
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