The Royal Bank of Scotland has a wide range of operations in various areas of banking i. crporate markets (investment and risk management services in both the UK and global large businesses and financial institutions), rtail markets (including retail operations and wealth management), User bank providing products and services to retail and corporate customers in Ireland, Ctizens commercial banking organisation, RS insurance and manufacturing (RBS annual report, 2006). Te major business segments of RBS are personal banking, pivate banking, bsiness banking and corporate banking (Royal Bank of Scotland, Royal Bank of Scotland has its operations in different parts of the world including UK the home market, te United States, Erope and Asia Pacific.
Te company’s operations in UK include dealing in the areas of corporate markets, rtail markets, isurance and manufacturing. I the United States, RS has its operations in the areas of corporate and retail banking. Te company is engaged in the same operations as in UK all over the Europe, wereas in Asia Pacific the RBS is involved with corporate market, rtail market and manufacturing Annual Report, 2006).
Te company operates in a vast range of financial services including retail operations. Te Royal Bank of Scotland’s retail banking operations includes services to personal and small business customers. I this regard, te company provides its services in the areas of consumer banking, bsiness banking, crds and direct finance in the United Kingdom. Te Royal Bank of Scotland’s has its international wealth management operations in continental Europe and Asia Pacific region, a well as in the UK home market. Te Royal Bank of Scotland’s total is wereas the company’s total equity finance is £45,490.
Tis suggests that the RBS has a total gearing level at about 94% i. te proportion of total debt funds in the company’s total capital structure (RBS annual report, 2006). Hnce, te company relies heavily on debt funds as compared to the equity finance which constitutes only about 4% of the company’s total capital. Fnancial economic conditions in the countries where RBS operates, pimarily in the UK, hve a great impact on the company’s performance. Canges in factors like rate, iflation
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