Barclays Capital 2010 Global Financial Services Conference
Who are we?
XRBS
Universal bank anchored in the UK and in retail & commercial, balanced by geography,
business mix and risk profile
RBS Group
Core RBS
EU Disposals/Non-Core
H1 10 Core Revenues by Division
RBS Insurance
13%
UK Retail
17%
Retail
&
Global Banking &
Markets
Insurance
Non-Core
US R&C
10%
Ulster Bank
Commercial
UK Retail
3%
GTS
8%
UK C&C
GBM
33%
UK Corporate
13%
Wealth
3%
Wealth
US R&C
Ulster Bank
GTS
R&C Businesses = 67%
Loan-to-deposit ratio 102%
Return on equity 15%
Business mix
Business mix: Targeting 2/3 Retail & Commercial, 1/3 GBM
Coverage: Global presence in over 40 countries
Geographic split²: UK 55%, US 25%, EU 12% RoW 8%
1 RBS Insurance, identified for disposal to satisfy European Commission rules on State Aid. Disposal targeted for H2 2012. 2 Indicative steady state
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