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| RBS headquarters, Gogarburn, Edinburgh |
The Royal Bank of Scotland Group plc (RBS or RBS Group) is an international banking and financial services company. It provides a full range of products and services to personal, commercial, corporate and institutional customers through two primary subsidiaries: The Royal Bank of Scotland plc and National Westminster Bank (NatWest) as well as through a number of brands including Ulster Bank, Coutts & Co, Drummonds, Child & Co, Adam & Co, Isle of Man Bank, Lombard, Holt's (the bank of the British Armed Forces) and RBS International (offshore bank). With about 75,000 employees (FTE), the Group serves more than 24 million customers worldwide. In 2008, the UK Government became the majority shareholder of the Group taking a 58% stake in RBS ordinary shares. In 2015, the Government began the process of selling shares back to the private sector, reducing its ownership of ordinary shares from 61% to 52%. In March 2015, Royal Bank of Scotland sold Coutts International to Union Bancaire Privée (UBP), the family-owned Swiss private bank. RBS Group will keep Coutts' UK arm, which has the British royal family among its customers. In October 2015, RBS sold its final 21% stake in Citizens Financial Group. As of March 31, 2017, RBS Group had total assets of £783.3 billion, loans and advances to customers of £326.7 billion and customer deposits of £351.5 billion.
The Group principal subsidiaries:
Royal Bank of Scotland plc
National Westminster Bank Plc (NatWest)
Ulster Bank (One of the Big Four banks in Northern Ireland and the Republic of Ireland)
Adam and Company Plc (Est. 1983)
Child & Co., founded in 1649, is one of oldest private banks in the UK.
Coutts & Co., established in 1692, is a private bank and wealth manager.
Drummonds Bank (Est. 1712)
Holt's Military
Lombard (Leasing and Asset Finance Provider)
NatWest Markets (Investment banking arm)
RBS International Limited
RBS Securities Inc (the US investment bank/broker-dealer)
RBS Credit Cards
Royal Bank of Scotland offers a range of credit cards, from the Student card with a low credit limit to the Clear Rate Platinum credit card.
| Annual Fee | Purchase rate (variable) | Representative APR (variable) | Assumed credit limit | |
| Student Credit Card | £0 | 18.9% p.a. | 18.9% APR | £500 |
| Reward Credit Card | £24 | 18.9% p.a. | 23.7% APR | £1,200 |
| Reward Black Credit Card | £84 | 18.9% p.a. | 37.1% APR | £1,200 |
| Clear Rate Platinum Credit Card | £24 | 6.9% p.a. | 11.1% APR | £1,200 |
Head office address:
175 Glasgow Road
Edinburg, EH12 1HQ.
United Kingdom
Phone number: +44 131 626 3263
Website: www.rbs.com, www.rbs.co.uk, www.rbsinternational.com
London
280 Bishopsgate
London EC2M 4RB
USA
600 Washington Boulevard
Stamford, United States
Hong Kong
7 Floor, Lincoln House
Taikoo Place
979 King's Road
United Arab Emirates
Level 2, Gate Village 4
Dubai International Finance Centre
Dubai
Singapore
Level 26, One Raffles Quay
South Tower 048583
South Africa
15th floor, World Trade Center
Corner West Rd South and Lower Rd
Morningside, Sandton, Johannesburg