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Chairman Executive Directors Non-Executive Directors Group Secretary
Executive Committee (ExCo) The Executive Committee (ExCo) will report to Stephen Hester and be accountable to the Board. It will meet bi-weekly and focus on substantive business decisions cutting across issues of Group-wide significance. 1. 2. 3. 4. 5. 6. 7. 8. 9. Group Chief Executive Chief Executive of Global Banking and Markets Chief Executive, UK Corporate Chief Executive, RBS Insurance Chief Executive, Citizens and Head of Americas Group Finance Director Chief Administrative Officer Head of Restructuring and Risk UK Retail, Wealth and Ulster Bank
Management Committee (ManCo) The Management Committee (ManCo), comprising our major businesses and functional leaders, will meet 3 - 4 times annually and will be a vehicle for strategy and business performance review. As Executive Committee plus: 1. 2. 3. 4. Group General Counsel CEO, UK Corporate & Institutional Banking Head of Non-Core Division and APS Group Treasurer
RBS Group bank branches and partnerships. as well as through brokers. UK Corporate Serving UK corporate and commercial customers from SMEs to UK based multi nationals. The division is made up of several well-known brands including Direct Line. RBS Insurance RBS Insurance is number one in the UK for both home and motor policies. Churchill and Privilege. Europe & Middle East Retail & Commercial Banking Ulster Bank provides a comprehensive range of financial services across the island of Ireland.GROUP STRUCTURE Our Divisions UK Personal The UK Personal division comprises of retail. diversifies its opportunities for growth. . and contributes to the Group’s capital and funding ratios. Citizens provide RBS with geographic balance. It sells and underwrites personal lines and SME insurance over the telephone and online. corporate and commercial banking and wealth management services. US Retail & Commercial Banking US Retail & Commercial Banking provides financial services through Citizens Financial Group. Its retail banking arm has a network of branches and operates in the personal. commercial and wealth management sectors. Global Banking & Markets Global Banking & Markets provides banking services and integrated financial solutions to major corporations and financial institutions around the world. while its corporate markets operations provide services in the corporate and institutional markets.
lending and money transmission services. which gives you the access to your credit card account 24 hours a day. It consists of: Non-Core & APS Global Restructuring Group Group Risk Group Legal & Secretariat Group Finance We support everything from monthly reporting.Our functions Restructuring and Risk The Group has been restructured to ensure we are better equipped to deal with the challenges facing our industry. With Cards Online you can view you’re: Available Cash and Credit Limit Your account balance Your statement balance and payment due dates Your account history Apply for Balance Transfer and Cash Draft . Group Strategy and Business Services. investment decisions. telephony support. Communications. which supports the customer-facing operations of our brands in providing technology infrastructures. The Restructuring and Risk division has been formed as part of this process. performance analysis and acquisitions. 365 days a year. global purchasing and property management. budgeting and forecasting to new product launches. 2) SERVICES Cards Online The Royal Bank of Scotland's Cards Online service is a state of the art facility. offering you online access to your RBS Credit Card account . from anywhere in the world. Supporting Functions The Group's supporting functions include HR.
1) Earn 5 Royalty points for Fuel Spends of Rs.000 Net Banking Need to withdraw cash? Pay bills? Check your account history? Banking is easier.International Debit Card Earn 2 Royalty points for Retail Spends of Rs.50) Rewards redeemable as CASH: Just call up Bank by Phone once you accumulate 500 points Daily Flexi-limit (Cash withdrawal or Retail purchase limit/day) of up to Rs. All you have to do is simply insert your card in the slot.V. when you're doing it with The Royal Bank of Scotland N. The Royal Bank of Scotland ATMs is in service 24 hours a day. Offering greater convenience and maximum utility. type in your PIN and let the userfriendly ATM screen guide you through the services. Accounts or other Bank accounts Apply and invest in mutual funds Open fixed deposits Pay your bills Have a cash and draft delivery and pick up .. including a unique 'Quick Look' printout of your last 9 transactions.V. 100 (equal to Re. 50. The Royal Bank of Scotland N. 100 (equal to Rs.V. from the comfort of your home / office. It is your direct link to a wide variety of services at any time of the day or night.'s Net Banking lets you access your account from wherever you are.and much more ATM Services The Royal Bank of Scotland ATM (Automated Teller Machine) enables you to withdraw cash and do a host of other banking activities round the clock. With Net Banking you can: Enquire on your balances/ transactions Transfer funds to RBS N. 365 days a year . as long as you are online.. 2.by simply pushing a few buttons.
The Bank by Phone service is very easy to use and saves you the time and hassle of going to the bank to conduct transactions.V. any day. RBS's Bank by Phone is sheer convenience. opening fixed deposits and lots more. we ensure that you get prompt service every time you call.PHONE BANKING The Bank by Phone service of The Royal Bank of Scotland allows you to conduct transactions on your account any time of the day. Our Bank by Phone executives are also available for your assistance 24 hours. After all. offers insurance services as a referral agent of Aviva Life Insurance. Simply make a phone call to access your account details. Insurance Services The Royal Bank of Scotland N. And you don't have to walk to the bank either.including Sundays & Holidays. It is designed to suit individual requirements and meet milestones Loans RBS Loan Products extend financial flexibility to you without inconvenience or strain PERSONAL LOAN CAR LOAN BUSINESS LOAN HOME LOANS CHILD PLANS PROTECTION PLANS SAVINGS PLANS RETIREMENT PLANS Tools & Calculators . 7 days a week . stop cheque payments.
where marketing has occupied the place in the business of banks. advertising and sales promotion activities. whether it is savings. the importance of a systematic approach to marketing cannot be overstressed. d. The competition. Advertising to promote the services to the existing as well as prospectiveCustomers . loans or investments Area Conversion Retirement Calculator Needs based Calculator How to be a Crorepati Risk Profiler 3) MARKETING STARTEGY Marketing in banks can be stated as a new phenomenon that is shaping well over the past one decade. deregulation that followed the reforms has changed the environment for banks. Developing appropriate banking services to meet these needs. Marketing Approach in Banks. b. Setting up suitable outsells / banks branches e. c.Trust our calculators to help you plan your finances better. whether in public sector or private sector. effective marketing strategy. Marketing in banks has become synonymous with customer and banks are found engaged in several activities of discovering. Today. Pricing for the services so developed. With the need for marketing in banks having evolved out of the changing environment and constant interplay of various interdependent factors. Indian banking is at cross roads today. up gradation of delivery system. With the emerging changes did spring up new challenges of commercial viability. marketing in the banking industry is characterized by many innovations in products and services. creating and satisfaction customer needs. The application of a marketing approach in banks will therefore involve: a. cost effectiveness. use of advanced technology in product design. With the deregulation and liberalization process in full swing. the consequent policy changes introduced in the Indian financial system in general and banking in particular are effecting unprecedented changes in its functioning. retirement. Banks now have a firm that marketing strategies alone can brighten the future of banking business. Public sector bank hardly considered marketing as a tool for business. Identifying customers’ financial needs and wants.