The Royal Bank of Scotland Group PLC
Type	Public (LSE: RBS)
Founded	1727
Headquarters	Edinburgh, Scotland, UK
Key people	Sir Tom McKillop, Chairman Sir Fred A. Goodwin, CEO
Industry	Finance and Insurance
Products	Financial Services
Revenue	£28,002 million (2006)
Operating income	£9,186 million (2006)
Net income	£6,497 million (2006)
Employees	135,000
Website	www.rbs.com www.rbs.co.uk

The Royal Bank of Scotland Group plc (LSE: RBS) is a banking and insurance holding company based in Edinburgh, Scotland, UK.^[1] It includes the The Royal Bank of Scotland plc (Scottish Gaelic: Banca Rìoghail na h-Alba^[2]) founded in 1727 by a Royal Charter of King George I.^[3] Image File history File links This is a lossless scalable vector image. ... This article does not cite any references or sources. ... The Source by Greyworld, in the new LSE building Paternoster Square. ... Events 1727 to 1800 - Lt. ... For other uses, see Edinburgh (disambiguation). ... This article is about the country. ... Sir Thomas Fulton Wilson McKillop, born March 19, 1943, is a chemist and pharmaceutical company CEO. McKillop was born in Dreghorn, a small village near the town or Irvine in Ayrshire and educated at Irvine Royal Academy and then Glasgow University, where he took a BSc Hons and PhD in... Fred Goodwin (born 1959 and known by City financiers as Fred the Shred) is the current chief executive of the Royal Bank of Scotland group. ... Finance and Insurance is an industry group that mainly handles the transfer of paper and money, financial assets. These include: Accounting, Asset Management, Electronic Communications Networks, Financial Services Regulatory Agencies, Investment Banking Investment Firms, Investment Funds, Lending, Outsourced Financial Products & Services Marketing, Securities Brokers & Traders, Stock Exchanges, Trade Facilitation, and... Financial services is a term used to refer to the services provided by the finance industry. ... Look up revenue in Wiktionary, the free dictionary. ... Image File history File links No higher resolution available. ... Year 2006 (MMVI) was a common year starting on Sunday of the Gregorian calendar. ... Earnings before interest and taxes (EBIT), also known as operating income and operating profit, is a term used to describe a companys earnings. ... Image File history File links No higher resolution available. ... Year 2006 (MMVI) was a common year starting on Sunday of the Gregorian calendar. ... Net income is equal to the income that a firm has after subtracting costs and expenses from the total revenue. ... Image File history File links No higher resolution available. ... Year 2006 (MMVI) was a common year starting on Sunday of the Gregorian calendar. ... For the album by the Kaiser Chiefs see Employment (album) Employment is a contract between two parties, one being the employer and the other being the employee. ... A website (alternatively, Web site or web site) is a collection of Web pages, images, videos and other digital assets that is hosted on one or several Web server(s), usually accessible via the Internet, cell phone or a LAN. A Web page is a document, typically written in HTML... The Source by Greyworld, in the new LSE building Paternoster Square. ... A holding company is a company that owns part, all, or a majority of other companies outstanding stock. ... For other uses, see Edinburgh (disambiguation). ... This article is about the country. ... // Scottish Gaelic (Gàidhlig) is a member of the Goidelic branch of Celtic languages. ... A Royal Charter is a charter given by a monarch to legitimize an incorporated body, such as a city, company, university or such. ... George I (George Louis; 28 May 1660 – 11 June 1727)[1] was King of Great Britain and Ireland, from 1 August 1714 until his death. ...

The RBS Group is the largest banking group in Scotland, the second largest in the UK and Europe, and the fifth largest in the world by market capitalisation. It is the 14th largest company in the world according to Forbes Global 2000 rankings. Its shares have a primary listing on the London Stock Exchange. The registered head office of the group and the clearing bank is located at St Andrew Square. In 2005, Queen Elizabeth II opened the bank's new head office building in Gogarburn, Edinburgh. This article is about the country. ... For other uses, see Europe (disambiguation). ... Market capitalization, often abbreviated to market cap, mkt. ... The Forbes Global 2000 - is an annual ranking of the top 2000 corporations in the world by Forbes magazine. ... The Source by Greyworld, in the new LSE building Paternoster Square. ... St Andrew Square is a square in Edinburgh, Scotland, part of the New Town, designated a UNESCO World Heritage Site. ... Elizabeth II in an official portrait as Queen of Canada (on the occasion of her Golden Jubilee in 2002, wearing the Sovereigns badges of the Order of Canada and the Order of Military Merit) Her Majesty Queen Elizabeth II (Elizabeth Alexandra Mary) (born 21 April 1926), styled HM The... The Gogarburn site was bought by RBS in June 2001. ... For other uses, see Edinburgh (disambiguation). ...

The RBS Group operates a wide variety of banking brands offering personal and business banking, private banking, insurance and corporate finance throughout its operations located in Europe, North America and Asia. In the UK and Ireland the main subsidiary companies are: the Royal Bank of Scotland plc; National Westminster Bank; Ulster Bank; and Coutts. In the United States it owns Citizens Financial Group, the 8th largest bank in the country. Insurance companies include Churchill Insurance, Direct Line, Privilege, and NIG. For other uses, see Bank (disambiguation). ... Private banking is done by major institutional banks known as private banks, which offer financial services to private individuals. ... Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. ... Domestic credit to private sector in 2005 Corporate finance is an area of finance dealing with the financial decisions corporations make and the tools and analysis used to make these decisions. ... North America North America is a continent[1] in the Earths northern hemisphere and (chiefly) western hemisphere. ... For other uses, see Asia (disambiguation). ... Old NatWest logo NatWest (formerly the National Westminster Bank) is the United Kingdoms third biggest bank. ... Ulster Bank (Irish: Banc Uladh[1]) is a large commercial bank, one of the Big Four in both the Northern Ireland and the Republic of Ireland. ... Coutts is one of the UKs leading private banks, owned by the Royal Bank of Scotland (RBS). ... Citizens Financial Group, Inc. ... // Churchill Insurance launched in 1989 by Martin Long as one of the UKs first direct motor insurers. ... Direct Line is a division of the Royal Bank of Scotland that specialises in selling insurance and other financial services over the phone and internet. ... The word nigger is a highly controversial term used in many countries, including the US, Britain and Russia, to refer to individuals with dark skin, especially those of indigenous African descent who previously were racially classified by the now outdated term Negro. ...

The Royal Bank of Scotland PLC also continues to print banknotes in Scotland; and is the only bank in the UK that continues to print a £1 note. Sterling banknotes are the banknotes of the United Kingdom and British Islands, denominated in pounds sterling (GBP). ... “GBP” redirects here. ...

History

Foundation

The bank traces its origin to the Equivalent Society which was set up by investors in the failed Company of Scotland to protect the compensation they received as part of the arrangements of the 1707 Acts of Union. The Equivalent Society became the Equivalent Company in 1724, and the new company wished to move into banking. The British government received the request favourably as the "Old Bank", the Bank of Scotland, was suspected of having Jacobite sympathies. Accordingly the "New Bank" was chartered in 1727 as the Royal Bank of Scotland, with Archibald Campbell, Lord Ilay appointed as its first governor. The Company of Scotland Trading to Africa and the Indies was an overseas trading company created by an act of the Scots Parliament in 1695. ... The Acts of Union were a pair of Acts of Parliament passed in 1706 and 1707 (taking effect on 1 May 1707) by, respectively, the Parliament of England and the Parliament of Scotland. ... The Governor and Company of the Bank of Scotland (Scottish Gaelic: ) is a Scottish commercial and clearing bank, operating throughout the world. ... Charles Edward Stuart, Bonnie Prince Charlie, wearing the Jacobite blue bonnet Jacobitism was (and, to a very limited extent, remains) the political movement dedicated to the restoration of the Stuart kings to the thrones of England and Scotland. ... Portrait of Archibald Campbell, 3rd Duke of Argyll, 1749 by Allan Ramsay. ...

In 1728, the Royal Bank of Scotland became the first bank in the world to offer an overdraft facility. This article does not cite any references or sources. ...

Competition with the Bank of Scotland

Competition between the Old and New Banks was fierce, and centred on the issue of banknotes. The policy of the Royal Bank was to either drive the Bank of Scotland out of business or to take it over on favourable terms.

The Royal Bank built up large holdings of the Bank of Scotland's notes, which it acquired in exchange for its own notes, and then suddenly presented them to the Bank of Scotland for payment. To pay for these notes the Bank of Scotland was forced to call in its loans and, in March 1728, to suspend payments. The suspension relieved the immediate pressure on the Bank of Scotland at the cost of substantial damage to its reputation, and gave the Royal Bank a clear space to expand its own business, although the Royal Bank's increased note issue also made it more vulnerable to the same tactics.

Despite talk of a merger with the Bank of Scotland, the Royal Bank did not possess the wherewithal to complete the deal. By September 1728 the Bank of Scotland was able to start redeeming its notes again, with interest, and in March 1729 it restarted lending. To prevent similar attacks in the future, the Bank of Scotland put an "option clause" on its notes, giving it the right to make the notes interest-bearing while delaying payment for six months; the Royal Bank followed suit. Both banks eventually decided that the policy they had followed was mutually self-destructive and a truce was arranged, but it still took until 1751 before the two banks agreed to accept each other's notes.

Scottish Expansion

A Royal Bank of Scotland £5 note from 1964

The bank opened its first branch office outside Edinburgh in 1783 when the first Glasgow branch opened. Further branches were opened in Dundee, Rothesay, Dalkeith, Greenock, Port Glasgow and Leith during the early 1800s. In 1821, the bank moved from its original head office in Edinburgh's Old Town to St Andrew Square in the New Town which remains the bank's registered head office to this day. Image File history File links RBS_Bank_Note_1919. ... Image File history File links RBS_Bank_Note_1919. ... For other uses, see Glasgow (disambiguation). ... For other uses, see Dundee (disambiguation). ... The town of Rothesay (Baile Bhòid in Gaelic) is the principal town on the Isle of Bute, in the council area of Argyll and Bute, Scotland. ... Dalkeith (Scottish Gaelic: Dail Cheith) (pop. ... For other uses, see Greenock (disambiguation). ... Port Glasgow is a burgh in Inverclyde, Scotland on the River Clyde. ... The Water of Leith looking upriver from the docks, with the old buildings along Leith Shore including The Kings Wark and The Old Ship Hotel and Kings Landing. ... The Old Town of Edinburgh, the capital of Scotland, is a UNESCO World Heritage Site. ... St Andrew Square is a square in Edinburgh, Scotland, part of the New Town, designated a UNESCO World Heritage Site. ... The Edinburgh New Town is a neo-classical masterpiece. ...

The rest of the 19th century saw the bank pursue mergers with other Scottish banks, mainly in a response to failing institutions. The assets and liabilities of the Western Bank were acquired following its collapse in 1857 and in 1864 the Dundee Banking Co. was acquired. By 1910, the bank had 158 branches and around 900 staff.

In 1969, the bank merged with the National Commercial Bank of Scotland to become the largest clearing bank in Scotland.

Expansion into England

The expansion of the British Empire in the latter half of the 19th century saw the emergence of London as the world's largest financial centre, attracting the Scottish banks to expand south into England. The first London branch of the Royal Bank of Scotland opened in 1874. However, the English banks moved to prevent further expansion by the Scottish banks in England, and after a government committee was set up to examine the matter, the Scottish banks decided to drop their expansion plans. An agreement was reached whereby English banks would not open branches in Scotland; and Scottish banks would not open branches in England outside of London. This agreement remained in place until the 1960s, although various cross border acquisitions were permitted. [1] The British Empire in 1897, marked in pink, the traditional colour for Imperial British dominions on maps. ... This article is about the capital of England and the United Kingdom. ...

The Royal Bank's English expansion plans were resurrected after World War I, when it acquired various small English banks, including London based Drummonds Bank in 1924; and William Deacon's Bank based in North West England in 1930; and Glyn, Mills and Co in 1939. The latter two were merged in 1970 to form Williams and Glyn's Bank; and later rebranded as the Royal Bank of Scotland in 1985. “The Great War ” redirects here. ... Type - Private Bank Motto - Prius Mori Quam Fidem Fallere Parent company - The Royal Bank of Scotland Founder - Andrew Drummond Established - 1717}} Drummondsis an English private banking housewho origins can be traced back over 290 years to 1717. ...

Takeover bids

During the late 1970s and early 1980s the Royal Bank was the subject of three separate takeover approaches. In 1979, Lloyds Bank, which had previously built up a 16.4% stake in the Bank, made a takeover approach for the remaining shares it did not own. The offer was rejected by the board of management on the basis it was detrimental to the Bank’s operations. However when the Standard Chartered Bank, proposed a merger with the Bank in 1980, the board of management responded favourably to the offer. Standard Chartered Bank was headquartered in London, although most of its operations were in the Far East, and the Royal Bank saw advantages in creating a truly international banking group. Approval was received from the Bank of England, and the two banks agreed a merger plan that would see the Standard Chartered acquire the Royal Bank and keep the UK operations based in Edinburgh. However the bid was scuppered by the Hongkong and Shanghai Banking Corporation (HSBC) which tabled a rival offer. The bid by HSBC was not backed by the Bank of England; and was subsequently rejected by the Royal Bank’s board of management. However the British government referred both bids to the Monopolies and Mergers Commission; and both were subsequently rejected as being against the public interest. [2] Lloyds TSB Group plc is a group of financial services companies, based in the United Kingdom, with the registered office in Edinburgh, Scotland. ... Standard Chartered Bank (LSE: STAN, SEHK: 2888) is a British bank headquartered in London with operations in more than fifty countries. ... Headquarters Coordinates , , Governor Mervyn King Central Bank of United Kingdom Currency Pound Sterling ISO 4217 Code GBP Base borrowing rate 5. ... The Hongkong and Shanghai Banking Corporation Limited also written as The Hongkong & Shanghai Banking Corporation Limited (Traditional Chinese: ), based in Hong Kong, is a wholly owned subsidiary and the founding member of the HSBC Group, which is traded on several stock exchanges as HSBC Holdings plc. ... The United Kingdom is a unitary state and a democratic constitutional monarchy. ... The Competition Commission (formerly the Monopolies and Mergers Commission) is an organisation that is financed by the government that investigates proposed monopolies or mergers and checks if they are in the public interest. ...

The Bank did obtain an international partnership with Banco Santander Central Hispano of Spain, each bank taking a 5% stake in the other. However this arrangement ended in 2005, when Banco Santander Central Hispano acquired UK bank, Abbey National – and both banks sold their respective shareholdings. Banco Santander Central Hispano is the largest bank in Spain and is part of the Santander Group which has large scale operations in the continents of Europe and South America. ... Abbey National plc is the UKs sixth biggest bank, and Europes second largest mortgage lender, after Halifax. ...

International expansion

The first international office of the bank was opened in New York in 1960. Subsequent international banks were opened in Chicago, Los Angeles, Houston and Hong Kong. In 1988 the bank acquired Citizens Financial Group, a bank based in Rhode Island, United States. Since then, Citizens has acquired several other American banks, and in 2004 acquired Charter One Bank to become the 8th largest bank in the United States. “NY” redirects here. ... Nickname: Motto: Urbs in Horto (Latin: City in a Garden), I Will Location in the Chicago metro area and Illinois Coordinates: , Country State Counties Cook, DuPage Settled 1770s Incorporated March 4, 1837 Government  - Mayor Richard M. Daley (D) Area  - City  234. ... Flag Seal Nickname: City of Angels Location Location within Los Angeles County in the state of California Coordinates , Government State County California Los Angeles County Mayor Antonio Villaraigosa (D) Geographical characteristics Area     City 1,290. ... Houston redirects here. ... Citizens Financial Group, Inc. ... “RI” redirects here. ... Charter One was a Cleveland-based bank that was acquired in 2004 by Citizens Financial Group. ...

Outwith North America, the Royal Bank also opened offices in Europe and now has subsidiaries in: Austria, Switzerland, France, Italy, Germany, Greece, Spain, Portugal, Denmark, Norway, Sweden and Federation of Bosnia and Herzegovina In the Asia-Pacific region, the bank has offices in: Australia, China, Hong Kong, Japan and Singapore. The location of the FBiH entity as part of the state of Bosnia and Herzegovina in Europe. ...

National Westminster Bank

The late 1990s saw a new wave of consolidation in the financial services sector. In 1999, the Bank of Scotland launched a hostile takeover bid for English rival, the NatWest. The Bank of Scotland intended to fund the deal by selling off many of the NatWest’s subsidiary companies, including Ulster Bank and Coutts. However, the Royal Bank subsequently tabled a counter-offer, sparking off the largest hostile takeover battle in UK corporate history. A key differentiation from the Bank of Scotland’s bid was the Royal Bank’s plan to retain all of NatWest’s subsidiaries. Although NatWest, one of the "Big 4" English clearing banks, was significantly larger than both Scottish banks, it had a history of poor financial performance, and plans to merge with insurance company Legal & General were not well received, prompting a 26% fall in share price. [3] The Classic NatWest logo National Westminster Bank Plc, trading as NatWest, is a commercial bank in the United Kingdom, part of the Royal Bank of Scotland Group. ... Big Four is the name given to the four biggest banks in a certain area: In England & Wales as a whole. ... Legal & General Group Plc is a British based financial services company that provides life, health and other insurance, as well as pensions and investments. ...

On February 11, 2000, the Royal Bank of Scotland was declared the winner in the takeover battle, becoming the second largest banking group in the UK after HSBC Holdings. The NatWest brand was retained, although many back office functions of the bank were merged with the Royal Bank's leading to over 18,000 job losses throughout the UK. [4] is the 42nd day of the year in the Gregorian calendar. ... Year 2000 (MM) was a leap year starting on Saturday (link will display full 2000 Gregorian calendar). ... For other uses, see HSBC (disambiguation). ...

Recent history

In 1967, the RBS became the first Scottish bank to install an Automated Teller Machine, and by 1980 the service, known as Cashline had become the busiest ATM network in the world. Today it is now part of the LINK network. In 1997, the RBS was the first bank in the world to make its ATM's available to all cardholders. The word Cashline, in Scotland at least has become a generic term for an ATM. Year 1967 (MCMLXVII) was a common year starting on Sunday (link will display full calendar) of the 1967 Gregorian calendar. ... “Cash machine” redirects here. ... Year 1980 (MCMLXXX) was a leap year starting on Tuesday (link displays the 1980 Gregorian calendar). ... Cashline is the name of the Automated Teller Machine (ATM) network run by the Royal Bank of Scotland. ... For the band, see 1997 (band). ...

A new international headquarters was built at Gogarburn on the outskirts of Edinburgh, and was opened by Queen Elizabeth II and Prince Philip, Duke of Edinburgh in 2005. The St Andrew Square office still remains the official registered head office. Elizabeth II in an official portrait as Queen of Canada (on the occasion of her Golden Jubilee in 2002, wearing the Sovereigns badges of the Order of Canada and the Order of Military Merit) Her Majesty Queen Elizabeth II (Elizabeth Alexandra Mary) (born 21 April 1926), styled HM The... “Prince Philip” redirects here. ...

In August 2004, the bank expanded into China, acquiring a 10% stake in the Bank of China for £1.7 billion [5]. Bank of China Limited (BOC) SEHK: 3988 (Simplified Chinese: ; Traditional Chinese: ; pinyin: ; often abbreviated as 中行) is one of the big four state-owned commercial banks of the Peoples Republic of China. ...

The bank was the 2005 recipient of the Wharton Infosys Business Transformation Award, an award given to enterprises and individuals who use information technology in a society-transforming way. In 2002, the Wharton Business School of the University of Pennsylvania and Infosys started the Wharton Infosys Business Transformation Award. ...

Corporate Structure

The Royal Bank of Scotland's office in Fleet Street, London- also home to Child & Co.

The RBS Group is split into 8 operating areas. Each operating area has several subsidiary businesses. Image File history File links Metadata Size of this preview: 800 × 600 pixelsFull resolution (2048 × 1536 pixel, file size: 630 KB, MIME type: image/jpeg) I, the copyright holder of this work, hereby release it into the public domain. ... Image File history File links Metadata Size of this preview: 800 × 600 pixelsFull resolution (2048 × 1536 pixel, file size: 630 KB, MIME type: image/jpeg) I, the copyright holder of this work, hereby release it into the public domain. ... Fleet Street in 2005 Fleet Street is a famous street in London, England, named after the River Fleet. ... This article is about the capital of England and the United Kingdom. ...

Retail Banking

This is the group’s main UK business, offering personal and business banking services. Services are operated under both the Royal Bank of Scotland and NatWest brand names. Key subsidiaries include:

• Child & Co
• Drummond Bank
• NatWest
• NatWest Life
• Royal Bank of Scotland
• Royal Scottish Assurance
• UlsterBank

Child & Co is a small private bank in the United Kingdom, part of the Royal Bank of Scotland Group. ... Drummonds (motto: Prius Mori Quam Fidem Fallere) is an English private banking house founded in 1717 by goldsmith Andrew Drummond (1688–1769). ... The Classic NatWest logo National Westminster Bank Plc, trading as NatWest, is a commercial bank in the United Kingdom, part of the Royal Bank of Scotland Group. ... The Royal Bank of Scotland plc (Scottish Gaelic: [1]) is one of the retail banking subsidiaries of Royal Bank of Scotland Group plc, which together with NatWest, provides branch banking facilities in the UK. Royal Bank of Scotland has around 700 branches, mainly in Scotland though there are branches in...

Wealth Management

This is the group’s private bank division providing services to wealthy individuals:

• Adam and Company
• Coutts Group
• Coutts Bank von Ernst
• NatWest Offshore
• NatWest Stockbrokers
• Royal Bank of Scotland International

Adam and Company is a private bank based in the United Kingdom, part of the Royal Bank of Scotland Group. ... Coutts is one of the UKs leading private banks, owned by the Royal Bank of Scotland (RBS). ... For the UK banking group and Scottish clearing bank- see Royal Bank of Scotland The Royal Bank of Scotland International Limited (RBS International) is an offshore bank headquartered in Jersey. ...

Retail - Direct Channels

This division is responsible for the group’s credit card businesses in the UK and Europe; including internet and telephone based banking brands; and processing facilities for retailers. Key subsidiaries and brands include:

• Comfort Card
• Style Cards
• Direct Line
• Lombard Direct
• MINT
• Tesco Personal Finance (50% joint venture with Tesco)
• The One account
• Streamline Merchant Services

Direct Line is a division of the Royal Bank of Scotland that specialises in selling insurance and other financial services over the phone and internet. ... Lombard Direct are a British-based finance company, that specialise in loans and insurance. ... MiNT (MiNT is Now TOS) is an alternative operating system (OS) kernel for the Atari ST computer and its successors which is free software. ... Historic The first self service Tesco, which is in in St Albans Tesco PLC is a United Kingdom based international supermarket chain. ... For other uses, see Tesco (disambiguation). ... The One account Ltd is single-brand subsiduary financial services company offering offset and flexible mortgages in the UKs. ... It has been suggested that this article or section be merged with Royal Bank of Scotland. ...

Corporate Markets

This division consists of UK Corporate Banking which provides financing, leasing services and transaction processing to corporate customers. The Global Banking and Markets division provides debt and risk management to corporate and institutional customers in markets around the world. Key subsidiaries include:

• Angel Trains
• Bibit
• Jamjarcars
• Lombard
• RBS Greenwich Capital
• RBS Nordisk Renting
• WorldPay

Angel Trains is one of the three major ROSCOs (ROlling Stock COmpany) in the United Kingdom. ... Bibit is a Payment Service Provider offering various European payment methods, in addition to credit cards. ... Lombard Direct are a British-based finance company, that specialise in loans and insurance. ... WorldPay is a division of the Royal Bank of Scotland specialised in handling payments over the internet in a safe and secure way (see financial transaction). ...

RBS Insurance

RBS Insurance is the second largest general insurance provider in the UK, as well as a growing presence in Spain, Italy, and Germany, Key brands include:

• Churchill Insurance

Churchill Insurance also underwrites: Lloyds TSB, Nationwide, Prudential, Pearl, Help the Aged and Alliance & Leicester Car Insurance brands // [edit] Churchill Insurance Churchill Insurance launched in 1989 as one of the UKs first direct motor insurers. ...

• Direct Line

Direct Line also underwrites : Privilege (Privilege Direct, consumer side of the business) Direct Line is a division of the Royal Bank of Scotland that specialises in selling insurance and other financial services over the phone and internet. ...

• Devitt Insurance
• Green Flag
• NIG
• Finsure
• InterGroup
• Intermediary and Broker
• Privilege
• UKI Partnerships

UK Insurance also underwrities : Tesco, Privilege Fleet, Egg, Mint, Mini, Bmw, Peugeot, Suzuki, Vauxhall, NatWest, RBS Royalities, etc The flagman waves the green flag at the start of the Aarons 499 at Talladega Superspeedway on April 6, 2003. ... UKI Partnerships is a partnership company owned by the Royal Bank of Scotland group that specifically deals with insurance products for Royal Bank of Scotland, Natwest, Virgin Money, Tesco, Mint, Lombard Direct, Ulster Bank and The One Account. ...

• Tracker

Ulster Bank

Ulster Bank provides personal and business banking services in Northern Ireland and the Republic of Ireland under the Ulster Bank and First Active brands. Northern Ireland (Irish: ) is a part of the United Kingdom lying in the northeast of the island of Ireland, covering 5,459 square miles (14,139 km², about a sixth of the islands total area). ... Ulster Bank (Irish: Banc Uladh[1]) is a large commercial bank, one of the Big Four in both the Northern Ireland and the Republic of Ireland. ... First Active offers a range of mortgage, savings, investment, pension and life cover products in the Republic of Ireland and are the sole provider of Current Account Mortgages in the Irish marketplace. ...

Citizens

This division includes the Bank's businesses in the United States, Citizens Financial Group and Charter One Bank. Citizens Financial Group, Inc. ... Charter One was a Cleveland-based bank that was acquired in 2004 by Citizens Financial Group. ...

Banknotes

A £100 Royal Bank of Scotland note.

The Royal Bank of Scotland, along with Clydesdale Bank and Bank of Scotland, still prints its own banknotes in Scotland. The current design from 1987 depict Lord Ilay (1682-1761), the first governor of the bank on the front, and Scottish castles on the back. Image File history File links Royal Bank of Scotland £100 illustration OR EITHER File history Legend: (cur) = this is the current file, (del) = delete this old version, (rev) = revert to this old version. ... Image File history File links Royal Bank of Scotland £100 illustration OR EITHER File history Legend: (cur) = this is the current file, (del) = delete this old version, (rev) = revert to this old version. ... The Clydesdale Bank PLC (Scottish Gaelic: ) is a commercial bank in the United Kingdom, a subsidiary of the nab Group. ... The Governor and Company of the Bank of Scotland (Scottish Gaelic: ) is a Scottish commercial and clearing bank, operating throughout the world. ... British banknotes are the banknotes of the United Kingdom and British Islands, denominated in pounds sterling (GBP). ... This article is about the country. ... Portrait of Archibald Campbell, 3rd Duke of Argyll, 1749 by Allan Ramsay. ... For other uses, see Governor (disambiguation). ...

In circulation are:

• 1 pound note featuring Edinburgh Castle
• 5 pound note featuring Culzean Castle
• 10 pound note featuring Glamis Castle
• 20 pound note featuring Brodick Castle
• 50 pound note featuring Inverness Castle
• 100 pound note featuring Balmoral Castle

Occasionally the Royal Bank issues commemorative banknotes. Examples are the £20 note for the 100th birthday of Queen Elizabeth, the Queen Mother in 2000, and the £5 note honouring veteran golfer Jack Nicklaus in his last competitive Open competition at St Andrews in 2005. These notes are much sought-after by collectors and they rarely remain long in circulation. The castle dominates the Edinburgh skyline as seen here from Princes Street Gardens Edinburgh Castle is an ancient fortress which, from its position atop Castle Rock, dominates the sky-line of the city of Edinburgh, and is Scotlands second most visited tourist attraction, after the Kelvingrove Art Gallery and... Culzean Castle (pronounced cull-ANE) is a castle near Maybole on the Ayrshire coast of Scotland. ... Glamis Castle Glamis Castle is situated beside the village of Glamis — pronounced Glahmz (in IPA: ) — in Angus, Scotland. ... Brodick Castle The Walled Garden at Brodick Castle Brodick Castle Brodick Castle is a castle situated outside the port of Brodick on the Isle of Arran, an island in the Firth of Clyde, Scotland. ... Inverness Castle Inverness Castle Inverness Castle Today Inverness Castle sits on a cliff overlooking the River Ness, in Inverness, Scotland. ... Balmoral Castle. ... Elizabeth Bowes-Lyon, later Queen Elizabeth (Elizabeth Angela Marguerite; 4 August 1900 – 30 March 2002), was the Queen Consort of King George VI of the United Kingdom and the British Dominions from 1936 until his death in 1952. ... Jack William Nicklaus (born January 21, 1940), also known as The Golden Bear,[1] is widely regarded as the greatest professional golfer of all time, in large part because of his records in major championships. ...

References

This article needs additional references or sources for verification. Please help improve this article by adding reliable references. (help, get involved!) Unverifiable material may be challenged and removed. This article has been tagged since May 2007.

Image File history File links Emblem-important. ...

See also

• Banks of the United Kingdom
• British banknotes
• List of banks
• European Financial Services Roundtable

// The table shows the main independent British banks. ... British banknotes are the banknotes of the United Kingdom and British Islands, denominated in pounds sterling (GBP). ... This is a list of banks throughout the world. ... The European Financial Services Roundtable (EFSR) is a European organization, located in Brussels, Belgium, of financial service companies to provide a voice on policies of the European Union related to financial matters. ...

External links

• The Royal Bank of Scotland Group official site
• Royal Bank of Scotland plc- UK retail bank
• RBS Company Announcements

v • d • e FTSE 100 companies of the United Kingdom

As of 28 June 2007. Image File history File links Flag_of_the_United_Kingdom. ... The FTSE 100 Index (or just the FTSE, pronounced footsie) is a share index of the 100 most highly capitalised companies listed on the London Stock Exchange. ... is the 179th day of the year (180th in leap years) in the Gregorian calendar. ... 3i · Alliance & Leicester · Anglo American · Antofagasta · Associated British Foods · AstraZeneca · Aviva · BAE Systems · BG Group · BHP Billiton · BP · BT Group · Barclays Bank · Barratt Developments · British Airways · British American Tobacco · British Energy Group · British Land Company · British Sky Broadcasting Group · Cable & Wireless · Cadbury Schweppes · Capita Group · Carnival · Centrica · Compass Group · DSG International · Daily Mail and General Trust · Diageo · Drax Group · Enterprise Inns · Experian · Friends Provident · GlaxoSmithKline · HBOS · HSBC · Hammerson · Hanson · Home Retail Group · ICAP · ITV · Imperial Chemical Industries · Imperial Tobacco · InterContinental Hotels Group · International Power · INVESCO · Johnson Matthey · Kazakhmys · Kelda Group · Kingfisher · Land Securities Group · Legal & General · Liberty International · Lloyds TSB · Lonmin · Man Group · Marks & Spencer · Mitchells & Butlers · Wm Morrison Supermarkets · National Grid · Next · Northern Rock · Old Mutual · Pearson · Persimmon · Prudential · Punch Taverns · Reckitt Benckiser · Reed Elsevier · Resolution · Reuters Group · Rexam · Rio Tinto Group · Rolls-Royce Group · Royal & Sun Alliance Insurance · Royal Bank of Scotland Group · Royal Dutch Shell · SABMiller · Sage Group · J Sainsbury · Schroders · Scottish & Newcastle · Scottish & Southern Energy · SEGRO · Severn Trent · Shire Pharmaceuticals Group · Smith & Nephew · Smiths Group · Standard Chartered Bank · Standard Life · Tate & Lyle · Tesco · Unilever · United Utilities · Vedanta Resources · Vodafone · WPP Group · Whitbread · Wolseley · Xstrata · Yell Group Company Name: 3i PLC Company Logo: Company Type: Public Founded: 1945 Created by a syndicate of several British banks]] Location: [London]], England| Key people: Philip Yea, CEO Baroness Hogg, Chairman Industry = Venture Capital and Private Equity Homepage = [1] 3i Group PLC is a venture capital and private equity firm quoted... Alliance & Leicester plc (LSE: AL.) is an awful British bank, formerly a building society. ... Anglo American plc (LSE: AAL, JSE: ANGLO) is a world-wide group of companies, originally founded in South Africa as a mining enterprise but now extending into other areas. ... Antifagass plc (LSE: ANTO) is a mining company which specialises in copper. ... This article does not cite any references or sources. ... AstraZeneca PLC (LSE: AZN, NYSE: AZN), is a large Anglo-Swedish pharmaceutical company formed on 6 April 1999 by the merger of Swedish Astra AB and British Zeneca Group. ... For Aviva Incorporated, operating as Aviva Natural Health Solutions, see Aviva Inc. ... BAE Systems plc is the worlds third largest defence contractor,[3] the largest in Europe and a commercial aerospace manufacturer. ... BG Group Plc (LSE: BG.) is an energy production and distribution company which has its headquarters in Reading outside London, England. ... BHP Billiton is the worlds largest mining company. ... This article is about the corporation named BP. For other uses, see BP (disambiguation). ... BT Group plc (formerly British Telecommunications plc) which trades as BT (pronounced Bee tee) (also previously as British Telecom and is still commonly known as such amongst the general public) is the privatised UK state telecommunications operator. ... The Barclays Group is based in One Churchill Place, Canary Wharf Barclays plc (LSE: BARC, NYSE: BCS, TYO: 8642 ) is a global financial services provider and sportswear consultancy operating in Europe, the United States, the Middle East, Latin America, Australia, Asia and Africa. ... Barratt Developments plc is one of the largest residential property development companies in the United Kingdom. ... For the 1930s airline of similar name, see British Airways Ltd. ... British American Tobacco Plc (LSE: BATS, AMEX: BTI) (BTI on the American Stock Exchange) is the third largest cigarette company in the world. ... British Energy plc (LSE: BGY) is the UKs largest electricity generator by volume and a constituent company of FTSE 100. ... The British Land Company PLC (LSE: BLND) is one of the largest property development and investment companies in the United Kingdom. ... This article or section does not cite any references or sources. ... Cable and Wireless (LSE: CW.) is a British telecommunications company. ... Cadbury Schweppes plc (Cadbury Trebor Bassett), (NYSE: CSG) is a confectionery and beverage company with its headquarters in London. ... Capita is a British company headquartered in London which specialises in business process outsourcing, having clients in central and local government, and in the private sector. ... The British-American corporation, Carnival Corporation & PLC is the worlds largest cruise operator, comprising 12 cruise brands, including Carnival Cruise Lines, Princess Cruises, Holland America Line, Windstar Cruises and Seabourn Cruise Line in North America; P&O Cruises, Cunard Line, Ocean Village Holidays and Swan Hellenic in the United... Centrica plc (LSE: CNA) is a large multinational company, based in the United Kingdom but also with interests in North America and Europe. ... The British company Compass Group is one of the largest food service businesses in the world. ... The United Kingdom based company DSG international plc (aka DSGi), formerly Dixons Stores Group plc, is one of the largest consumer electronics retailers in Europe. ... Daily Mail and General Trust plc (DMGT) is one of the UKs largest media companies and has interests in national and regional newspapers, television and radio. ... It has been suggested that Diageo Brands be merged into this article or section. ... For other uses of Drax, see Drax. ... Enterprise Inns Plc is a UK leased and tenanted pub company, headquartered in Solihull, West Midlands IN England. ... Experian is a global information solutions company, with operations in over 30 countries around the world, including the USA, UK, most European countries, Argentina, Brazil, South Africa, China, Japan and Australia. ... Friends Provident plc (LSE: FP.) manages a life assurance business mainly based in the United Kingdom and with offices throughout the world. ... GlaxoSmithKline plc (LSE: GSK NYSE: GSK) is a British based pharmaceutical, biological, and healthcare company. ... Group headquarters on The Mound, Edinburgh HBOS Office at Trinity Road, Halifax HBOS plc (LSE: HBOS) is a banking and insurance group in the United Kingdom, the holding company for Halifax plc and the Governor and Company of the Bank of Scotland. ... For other uses, see HSBC (disambiguation). ... Hammerson plc (LSE: HMSO) is a major British property development and investment company. ... Hanson plc is a British based international building materials company, headquartered in London. ... The Home Retail Group, formerly Argos Retail Group, is a holding company for the UK retailers Argos, Homebase and the financial services division for both companies, including ARG Financial Services, comprising of ARG Card Services (handling store cards such as the Argos Card), ARG Insurance Services (handling in the store... ICAP plc LSE: IAP is a British based inter-dealer stock broker, the largest in the world, carrying out transactions for financial institutions rather than private individuals. ... ITV plc (LSE: ITV) is the British media company that operates 11 of the 15 regional television broadcasters that make up the ITV Network, the oldest and largest commercial terrestrial television network in the United Kingdom. ... This article does not cite any references or sources. ... Imperial Tobacco Group PLC (LSE: IMT) is the largest tobacco manufacturer in the UK (the second largest UK-based tobacco company by global sales after British American Tobacco). ... InterContinental Hotels Group (IHG) (LSE: IHG NYSE: IHG) is a multinational company which operates several hotel brands. ... International Power plc is a leading independent electricity generating company with 16,642 MW (net) in operation and 1,729 MW (net) under construction. ... AMVESCAP plc (LSE: AVZ, NYSE: AVZ) is an investment management company based in London, England. ... Johnson Matthey plc (LSE: JMAT) is a British chemical company which has its headquarters near Holborn in central London. ... Kazakhmys Plc (LSE: KAZ) is a UK-registered copper mining company which main assets are located in Kazakhstan. ... Kelda Group plc (LSE: KEL) is a British utility company. ... Kingfisher plc is a UK-based international retailer, which has owned a wide variety of retail chains in its history but is now focused on the DIY business. ... Land Securities Group plc is a leading British property development and investment company headquartered in central London. ... Legal & General Group Plc is a British based financial services company that provides life, health and other insurance, as well as pensions and investments. ... Liberty International PLC (LSE: LII) is UK property investment and insurance company. ... Lloyds TSB Group plc is a group of financial services companies, based in the United Kingdom, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. ... Lonmin plc(LSE: LMI) was incorporated in the United Kingdom on 13 May 1909 as the London and Rhodesian Mining Company Limited. ... Man Group plc (LSE: EMG) is one of the worlds largest futures contract brokers and a leading global provider of alternative investment products. ... Marks & Spencer plc (sometimes colloquially known also as M&S, Marks and Sparks, Marks or Markss) is a British retailer, with 760 stores in more than 30 countries around the world. ... Mitchells & Butlers plc run managed pubs, bars and restaurants in over 2,000 outlets. ... For other uses, see Morrison. ... National Grid plc is a United Kingdom based utilities company which also operates in other countries, principally in the United States. ... Next on Oxford Street Next plc is a British clothes retailer, with its headquarters in Enderby, Leicester, England. ... Northern Rock (LSE: NRK) is a British bank based at Regent Centre near Newcastle Upon Tyne in northern England. ... Old Mutual is a South African insurance company. ... Pearson plc LSE: PSON;NYSE: PSO is a London-based media conglomerate. ... Persimmon plc (LSE: PSN) is the largest British housebuilding company by market capitalisation. ... Prudential plc (LSE: PRU, NYSE: PUK) is a United Kingdom-based financial services company. ... Punch Taverns plc is the largest pub and bar operator in the United Kingdom, with around 9,500 tenanted and managed pubs. ... Reckitt Benckiser plc is one of the worlds leading manufacturers of cleaning products and a member of the FTSE 100 Index of the largest companies traded on the London Stock Exchange. ... Reed Elsevier is a leading global publisher and information provider. ... Resolution plc (LSE: RSL) is a UK insurance company headquartered in the City of London. ... Reuters Group plc (LSE: RTR and NASDAQ: RTRSY); pron. ... Rexam PLC is a PLC listed on the LSE with headquarters in the UK. Their main businesses are the provision of packaging solutions and the manufacturing of beverage cans. ... Rio Tinto is a multinational mining and resources group founded originally in 1873. ... Rolls-Royce plc is a British aircraft engine maker; the second-largest in the world, behind General Electric Aviation. ... Royal & SunAlliance (LSE: RSA) is a British general insurance company. ... Royal Dutch Shell plc is a multinational oil company of British and Dutch origins. ... SABMiller (South African Breweries - Miller) (LSE: SAB, JSE: SAB,Official site) is one of the world’s largest brewers, with brewing interests and distribution agreements in over 60 countries across six continents. ... The Sage Group plc (LSE: SGE) is a leading UK based supplier of accounting, payroll, CRM and business management software (including manufacturing and construction-specific ranges) as well as related services to small and medium-sized enterprises (SME). ... J Sainsbury plc is the parent company of Sainsburys Supermarkets Ltd, commonly known as Sainsburys, a chain of supermarkets in the United Kingdom. ... Schroders plc is a British investment management company with its headquarters in the City of London. ... This article or section does not cite any references or sources. ... Scottish & Southern Energy plc (SSE) is an energy company formed in 1998 following a merger of equals between Scottish Hydro-Electric plc and Southern Electric plc. ... SEGRO REIT (formerly known as Slough Estates) is a property investment and development company. ... Severn Trent plc is a British utility. ... Shire Pharmaceuticals Group plc is a British manufacturer of pharmaceuticals including Adderall XR, Carbatrol, and Fosrenol. ... Smith & Nephew is a British medical devices company headquartered in London and active internationally. ... Smiths Group is a British engineering company involved in wide-ranging speciality engineering. ... Standard Chartered Bank (LSE: STAN, SEHK: 2888) is a British bank headquartered in London with operations in more than fifty countries. ... Standard Life (LSE: SLET) is a major employer in Edinburgh, with 8,500 UK employees [2] and over 12,000 worldwide. ... A tin of Lyles Golden Syrup Tate & Lyle PLC is a UK based multinational food manufacturer and is listed on the London Stock Exchange under the symbol TATE. It is a major producer of refined sugar, starches, animal feed and other food ingredients with global operations. ... For other uses, see Tesco (disambiguation). ... Unilever is a widely listed [2] [3] multi-national corporation, formed of Anglo-Dutch parentage, that owns many of the worlds consumer product brands in foods, beverages, cleaning agents and personal care products. ... United Utilities is a British utility company with its headquarters in Warrington which operates mainly in the North West of England. ... Vedanta Resources plc is a diversified and integrated metals and mining group with annual sales of $1. ... Vodafone Group Plc is a mobile network operator headquartered in Newbury, Berkshire, England, UK. It is the largest mobile telecommunications network company in the world by turnover and has a market value of about £84. ... WPP Group plc (LSE: WPP) (NASDAQ: WPPGY), based in London, is one of the worlds largest communications services groups (and one of the big six advertising holding companies, the others being Omnicom, Interpublic, Publicis, Dentsu and Havas) employing 97,000 people working in more than 2,000 offices in... This article is about the Whitbread company. ... Wolseley plc (LSE: WOS) is a British company which has engaged in a disparate range of activities over its long history. ... Xstrata plc is an international mining company. ... Yell Group plc (LSE: YELL) is a British directory company, which is a constituent of the FTSE 100 Index of leading British quoted companies. ...

v • d • e Banks of Scotland
Airdrie Savings Bank · Bank of Scotland · Clydesdale · Lloyds TSB Scotland · Royal Bank of Scotland · Tesco Personal Finance