Royal Bank of Scotland Group plc Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis

April 2024 | 50 pages | ID: R3EB452F649BEN
BAC Reports

Abstracts

Royal Bank of Scotland Group plc Fundamental Company Report provides a complete overview of the company’s affairs. All available data is presented in a comprehensive and easily accessed format. The report includes financial and SWOT information, industry analysis, opinions, estimates, plus annual and quarterly forecasts made by stock market experts. The report also enables direct comparison to be made between Royal Bank of Scotland Group plc and its competitors. This provides our Clients with a clear understanding of Royal Bank of Scotland Group plc position in the Industry.

• The report contains detailed information about Royal Bank of Scotland Group plc that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
• Another part of the report is a SWOT-analysis carried out for Royal Bank of Scotland Group plc. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
• The Royal Bank of Scotland Group plc financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
• In the part that describes Royal Bank of Scotland Group plc competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
• Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Royal Bank of Scotland Group plc business.

About Royal Bank of Scotland Group plc

The Royal Bank of Scotland Group plc, through its subsidiaries, provides banking and financial services in the United Kingdom, the United States, and internationally. The company's principal subsidiaries include The Royal Bank of Scotland plc and National Westminster Bank Plc. In the United States, the company’s subsidiary, Citizens Financial Group, Inc., operates as a commercial banking organization. The company provides a range of products and services to personal, commercial, and large corporate and institutional customers in approximately 50 countries.

Divisions

The company operates primarily in the following divisions: UK Retail; UK Corporate; Wealth; Global Banking & Markets; Global Transaction Services; Ulster Bank; US Retail & Commercial; and RBS Insurance,

The UK Retail division offers a range of banking products and related financial services to the personal market. It serves customers through a network of branches and ATMs in the United Kingdom, and also through telephone and Internet channels.

The UK Corporate division provides banking, finance, and risk management services to the corporate and small and medium-sized enterprise (SME) sector in the United Kingdom. It offers a range of banking products and related financial services through a nationwide network of relationship managers, and also through telephone and Internet channels. The product range includes asset finance through the Lombard brand.

The Wealth division provides private banking and investment services in the U.K. through Coutts & Co and Adam & Company, offshore banking through RBS International, NatWest Offshore and Isle of Man Bank, and international private banking through RBS Coutts.

The Global Banking & Markets (GBM) division is a banking partner to major corporations and financial institutions worldwide, providing a range of debt and equity financing, risk management, and investment services to its customers. The division is organized along six principal business lines: money markets; rates flow trading; currencies and commodities; equities; credit markets, and portfolio management & origination.

The Global Transaction Services division is a global transaction services provider, offering global payments, cash and liquidity management, and trade finance and commercial card products and services. It includes the company’s corporate money transmission activities in the United Kingdom and the United States, as well as Global Merchant Services, its United Kingdom and international merchant acquiring business.

The Ulster Bank is retail and commercial bank in Northern Ireland. It provides a range of financial services through both its retail markets division which has a network of branches and operates in the personal and bancassurance sectors, and its corporate markets division which provides services to SME business customers, corporates, and institutional markets.

The US Retail & Commercial division provides financial services primarily through the Citizens and Charter One brands. US Retail & Commercial is engaged in retail and corporate banking activities through its branch network in 12 states in the United States and through non-branch offices in other states.

The RBS Insurance division sells and underwrites retail and SME insurance over the telephone and internet, as well as through brokers and partnerships. Its brands include Direct Line, Churchill, and Privilege, which sell general insurance products direct to the customer, as well as Green Flag and NIG. Through its international division, RBS Insurance sells general insurance, mainly motor, in Germany and Italy. The Intermediary and Broker division sells general insurance products through independent brokers.

Other

Business Services supports the customer-facing businesses and provides operational technology, customer support in telephony, account management, lending and money transmission, global purchasing, property, and other services.

Significant Events

On September 17, 2010, Royal Bank of Scotland Group plc (RBS) has signed an agreement with Guolian Securities Co., Ltd. to establish a joint venture engaging in securities sales business in China.

In November 2010, Royal Bank of Scotland Group plc and Guolian Securities intend to co-establish a joint venture securities firm - Hua Ying Securities in Wuxi city of East China's Jiangsu province.

History

The Royal Bank of Scotland Group plc was founded in 1727.

The above Company Fundamental Report is a half-ready report and contents are subject to change.
It means that we have all necessary data in our database to prepare the report but need 2-3 days to complete it. During this time we are also updating the report with respect to the current moment. So, you can get all the most recent data available for the same price. Please note that preparation of additional types of analyses requires extra time.

Contents

RESEARCH METHODOLOGY

DISCLAIMER

1. ROYAL BANK OF SCOTLAND GROUP PLC COMPANY PROFILE

1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History

2. ROYAL BANK OF SCOTLAND GROUP PLC BUSINESS OVERVIEW

2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units

3. ROYAL BANK OF SCOTLAND GROUP PLC SWOT ANALYSIS

3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats

4. ROYAL BANK OF SCOTLAND GROUP PLC FINANCIAL ANALYSIS

4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.1. Profitability
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot

5. ROYAL BANK OF SCOTLAND GROUP PLC COMPETITORS AND INDUSTRY ANALYSIS

5.1. Royal Bank of Scotland Group plc Direct Competitors
5.2. Comparison of Royal Bank of Scotland Group plc and Direct Competitors Financial Ratios
5.3. Comparison of Royal Bank of Scotland Group plc and Direct Competitors Stock Charts
5.4. Royal Bank of Scotland Group plc Industry Analysis
5.4.1. Industry Snapshot
  5.4.2. Royal Bank of Scotland Group plc Industry Position Analysis

6. ROYAL BANK OF SCOTLAND GROUP PLC NEWS & EVENTS

6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events

7. ROYAL BANK OF SCOTLAND GROUP PLC EXPERTS REVIEW¹

7.1. Experts Consensus
7.2. Experts Revisions

8. ROYAL BANK OF SCOTLAND GROUP PLC ENHANCED SWOT ANALYSIS²

9. UK PESTEL ANALYSIS²

9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors

10. ROYAL BANK OF SCOTLAND GROUP PLC IFE, EFE, IE MATRICES²

10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix

11. ROYAL BANK OF SCOTLAND GROUP PLC PORTER FIVE FORCES ANALYSIS²

12. ROYAL BANK OF SCOTLAND GROUP PLC VRIO ANALYSIS²

APPENDIX: RATIO DEFINITIONS

LIST OF FIGURES

Royal Bank of Scotland Group plc Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Royal Bank of Scotland Group plc 1-year Stock Charts
Royal Bank of Scotland Group plc 5-year Stock Charts
Royal Bank of Scotland Group plc vs. Main Indexes 1-year Stock Chart
Royal Bank of Scotland Group plc vs. Direct Competitors 1-year Stock Charts
Royal Bank of Scotland Group plc Article Density Chart

1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.

List Of Tables

LIST OF TABLES

Royal Bank of Scotland Group plc Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Royal Bank of Scotland Group plc Key Executives
Royal Bank of Scotland Group plc Major Shareholders
Royal Bank of Scotland Group plc History
Royal Bank of Scotland Group plc Products
Revenues by Segment
Revenues by Region
Royal Bank of Scotland Group plc Offices and Representations
Royal Bank of Scotland Group plc SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Royal Bank of Scotland Group plc Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Royal Bank of Scotland Group plc Capital Market Snapshot
Royal Bank of Scotland Group plc Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Industry Statistics
Royal Bank of Scotland Group plc Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Royal Bank of Scotland Group plc Consensus Recommendations¹
Analyst Recommendation Summary¹
Price Target Summary¹
Experts Recommendation Trends¹
Revenue Estimates Analysis¹
Earnings Estimates Analysis¹
Historical Surprises¹
Revenue Estimates Trend¹
Earnings Estimates Trend¹
Revenue Revisions¹

ANALYSIS FEATURES

SWOT Analysis

SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.

Enhanced SWOT Analysis

Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:

• How to use the strengths to take advantage of the opportunities?
• How to use the strengths to reduce likelihood and impact of the threats?
• How to overcome the weaknesses that obstruct taking advantage of the opportunities?
• How to overcome the weaknesses that can make the threats a reality?

Upon answering these questions a company can develop a project plan to improve its business performance.

PESTEL Analysis

PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.

Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.

Key Factors Examined by PESTEL Analysis:

• Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
• Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
• Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
• Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
• Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
• Legal – What laws and legislation will exert influence on the style the business is carried out?

IFE, EFE, IE Matrices

The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.

The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.

The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.

Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.

Porter Five Forces Analysis

The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:

1. What composes a threat of substitute products and services?
2. Is there a threat of new competitors entering the market?
3. What is the intensity of competitive rivalry?
4. How big is the bargaining power of buyers?
5. How significant is the bargaining power of suppliers?

VRIO Analysis

VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:

• Tangible resources
  • Financial
  • Physical
  • Technological
  • Organizational
• Intangible resources
  • Human
  • Innovation and Creativity
  • Reputation
• Organizational capabilities

The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:

• Valuable?
• Rare?
• Costly to imitate?
• Organized properly?