Barclays Global Financial Services Conference
Group revenues - managing the headwinds
Signs of NIM stabilisation....
Group / R&C NIM, %
R&C
with pockets of volume growth...
Lending volume growth, $/£bn
Group
3.05
2.99
2.94 2.90 2.91
2.94
36.2 37.0
2.03
1.97
1.84
1.84
1.89
1.95
10.3 10.7
4.7
4.9
Q1
Q2
Q3
Q4
Q1
Q2
2011
2012
**RBS Group
Q112
Q212
US Commercial UK Invoice &
Asset finance
UK
Manufacturing
Combined with revenue initiatives to leverage the Group
Focus on greater cross-sell across the R&C customer base
Reducing higher cost funding to support NIM
New Wealth sales platform in situ to deliver more tailored products
and service
■ Enhanced product suite access for International Banking clients
■ UK Retail product simplification, effective pricing, increased mobile
banking products
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