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The Royal Bank of Scotland credit card is part of a group
that was founded in 1727. The Royal Bank of Scotland credit
card is provided by one of Europe’s leading financial
services groups. By market capitalisation it is the second
largest bank in the UK and in Europe and ranks fifth in
the world.
In March 2000 they completed the acquisition of NatWest
in a £21 billion deal that was the largest takeover
in British banking history. The enlarged Group has a market
capitalisation of £51 billion as at 4 August 2003,
compared with £19.7 billion immediately after the
takeover. It has more than 20 million UK personal customers,
2,287 UK branches and total assets at 31 December 2002
of £412 billion. The Group employs over 110,000
staff worldwide.
In the first half of 2003, the Group increased its profit
before tax, goodwill amortisation and integration costs
by 10 per cent to £3,451 million. Profit before
tax increased 25 per cent to £2,896 million.
Total income was up 11 per cent and all the Group’s
divisions increased customer numbers. In addition to the
provision of a full range of banking services the Group
also includes other organisations well known in financial
circles:
Ulster Bank in Northern Ireland, which also has a very
strong presence in the Republic of Ireland. Coutts Group,
the international operator in the private banking sector,
managing the portfolios of 70,000 wealthy customers via
its 38 offices throughout the world. Direct Line, one
of the major direct motor insurance operators in the UK
and Europe and a leading provider of financial services
by telephone.
Citizens Financial Group, based in Rhode Island (USA),
the second largest bank in New England. Lombard, one of
the world's leading asset finance companies.
The Group enjoys leading positions across a range of different
areas. It is number one in the UK for corporate and commercial
banking, small business customers, offshore banking, private
banking, asset finance and telephone motor insurance.
It is number two in the UK for retail banking and credit
cards. In addition to the UK, the Group has offices in
Europe, the US, and Asia. A strategic alliance with SCH
of Spain provides scope for development of financial service
activities across Europe. Tesco Personal Finance, a joint
venture with Tesco, is one of the main supermarket banking
brands in the UK. Basically you don't get much bigger
!
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