The Royal Bank of Scotland (RBS) Group: Providing Sustainable Banking and Financial Services Around the World

The Royal Bank of Scotland (RBS) Group is a banking and financial services firm operating worldwide. Its headquarters is located at Edinburgh. Its client base around the world is reported at 30 million, 26 million of which are from the UK markets. Aside from the UK, the RBS Group is also located in Asia, the Americas, Middle East, and Europe. The Group provides jobs to 145,000 workers worldwide; more than 90,000 of which are in the UK. The RBS Group has two major subsidiaries, the National Westminster Bank Plc and The Royal Bank of Scotland, that provide a wide array of product lines to diverse groups of clients which includes institutional, corporate, commercial and personal customers. Some of the other brands owned by the RBS Group include Direct Line, Coutts, Ulster Bank, Charter One and Citizens. As of March 31, 2012, the RBS Group has shown why it is one of the largest in the world, with reported customer deposit of £410 billion, loan to deposit ratio of 106%, liquidity portfolio of £153 billion, core tier 1 capital ratio of 10.8%, and total funded assets of £950 billion.