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ROYAL BANK SCOT

(RBS GB0007547838 GBX)

Value 29.260

Change Today +0.42

Updated09/02 10:20

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PROFILE

Registered Number	SC 45551
Registered Address	36 St Andrew Square Edinburgh EH2 2YB
Head Office	PO Box 1000 Gogarburn Edinburgh EH2 2YB
Phone Number	+44 (0) 131 5568555
Fax Number
Website	http://www.rbs.com
Activities	Provides banking and financial products and services to personal commercial corporate and institutional customers
Country of Register	GB
Currency	GBX
Short Name	ROYAL BANK SCOT
First Day Traded	13/01/2006
Industrial Sector	Banks
Number of shares	60.50b

Key People

Stephen Hester	Chief Executive Officer
Sandy Crombie	Non Executive Director
Sheila Noakes	Non Executive Director
John McFarlane	Non Executive Director
Colin Buchan	Non Executive Director
Arthur Ryan	Non Executive Director
Brendan Nelson	Non Executive Director
Alison Davis	Non Executive Director

Major Shareholders

HM Treasury	66.88%
Royal Bank of Scotland Group Employee Share Trusts	2.90%

Director Deals

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Income Statements £1K

	AR 2006	AR 2007	AR 2008	AR 2009	AR 2010
Fiscal Year End	31/12/2006	31/12/2007	31/12/2008	31/12/2009	31/12/2010
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Interest Income	24,688	33,420	49,803	33,922	22,845
Interest and Fees on Loans	24,688	33,420	49,522	33,836	22,776
Interest Income on Fed. Funds	0	0	0	0	0
Interest Income on Fed. Repos	0	0	0	0	0
Interest on Bank Deposits	0	0	0	0	0
Other Interest or Dividend Income	0	0	281	86	69
Total Interest Expense	14,092	20,752	30,847	17,332	8,567
Interest Expense on Bank Deposits	8,955	12,966	22,936	11,021	5,054
Interest Expense on Fed. Repos	0	0	0	0	0
Other Interest Expense	5,137	7,786	7,911	6,311	3,513
Interest Expense on Debt	5,137	7,786	7,911	6,311	3,513
Interest Capitalized	0	0	0	0	0
Other Borrowed Funds	0	0	0	0	0
Net Interest Income	10,596	12,668	18,956	16,590	14,278
Loan Loss Provision	1,877	2,128	8,072	14,950	9,256
Net Interest Income after Provision	8,719	10,540	10,884	1,640	5,022
Non-Interest Income	19,690	21,165	8,616	21,384	20,124
Securities Gain	0	0	0	294	496
Trading Account Income	1,937	277	-10,471	1,416	3,026
Foreign Exchange Gains	738	1,050	1,994	2,465	1,491
Trust Income, Commissions & Fees	7,116	8,465	9,831	9,831	8,193
Trust Income	0	0	0	0	0
Commission & Fee Income	7,116	8,465	9,831	9,831	8,193
Investment Income	0	0	0	0	0
Other Operating Income	9,899	11,373	7,262	7,378	6,918
Non-Interest Expense	19,089	21,697	27,664	28,759	26,101
Labor & Related Expense	6,723	7,552	10,241	9,635	9,671
Equipment Expense	1,421	1,766	2,593	3,087	2,402
Operating Provisions	386	659	2,323	1,041	653
Taxes Other than Income Taxes	0	0	0	0	0
Depreciation & Amortization	1,293	1,311	1,584	1,616	1,428
Other Operating Expense	9,266	10,409	10,923	13,380	11,947
Operating Income	9,320	10,008	-8,164	-5,735	-955
Non-Operating Income (Expense)	0	0	1,521	-287	13
Non-Operating Interest Income	0	0	0	0	0
Miscellaneous Non Operating Expense	0	0	1,452	-92	-57
Equity in Affiliates (Pretax)	0	0	69	-195	70
Unusual Expense	134	108	34,024	-3,427	-543
Pretax Income	9,186	9,900	-40,667	-2,595	-399
Income Taxes	2,689	2,052	-2,323	-371	634
Income Tax - Current - Domestic	2,373	2,483	976	361	210
Income Tax - Current - Foreign	-147	-198	-34	0	0
Income Tax - Deferred - Domestic	463	-233	-3,265	-732	424
Income Tax - Deferred - Foreign	0	0	0	0	0
Income Tax Credits	0	0	0	0	0
Minority Interest Expense	104	163	-10,832	349	-665
Equity in Affiliates	0	0	0	0	0
Other After Tax Income (Expense)	0	0	0	0	0
Net Income	6,393	7,685	-27,512	-2,573	-368
Extraordinaries & Discontinued Operations	0	-136	3,971	-99	-633
Extra Items & Gain/Loss Sale Of Assets	0	0	0	0	0
Cumulative Effect - Accounting Chg	0	0	0	0	0
Discontinued Operations	0	-136	3,971	-99	-633
Net Income After Extraordinaries	6,393	7,549	-23,541	-2,672	-1,001
Preferred Dividends	191	246	596	878	105
Net Inc. Avail. To Common - Basic	6,202	7,439	-28,108	-3,451	-473
Operational EPS	0.00	0.00	0.00	0.00	-1.46
EPS (basic)	0.00	0.00	0.00	0.00	-1.97
EPS (diluted)	0.00	0.00	0.00	0.00	-0.81

Balance Sheet £1K

	AR 2006	AR 2007	AR 2008	AR 2009	AR 2010
Fiscal Year End	31/12/2006	31/12/2007	31/12/2008	31/12/2009	31/12/2010
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Total Cash & Due from Banks	6,121	17,866	12,400	52,261	57,014
Investments - Total	262,927	685,092	1,286,438	602,311	666,755
Trading Account Securities	98,230	210,190	133,334	0	118,055
Federal Funds Sold & Securities Purchased	0	0	0	0	0
Federal Funds Sold	0	0	0	0	0
Securities Bought Under Resale Agreement	0	0	0	0	0
Treasury Securities	19,595	56,113	18,903	12,975	17,890
Federal Agency Securities	0	0	0	0	0
State & Municipal Securities	2,573	3,265	46,367	65,108	41,773
Mortgage Backed Securities	3,532	24,622	71,264	59,362	48,837
Other Securities	22,316	53,492	24,011	23,412	13,123
Other Investments	116,681	337,410	992,559	441,454	427,077
Net Loans	549,499	1,048,710	1,012,919	820,146	655,778
Gross Loans - Net of Unearned Income	553,432	1,055,148	1,021,864	837,272	673,833
Commercial & Industrial Loans	72,688	83,227	0	113,437	106,788
Consumer & Installment Loans	0	0	0	25,254	23,236
Interbank Loans	82,606	219,460	138,197	91,753	100,518
Real Estate Mortgage Loans	110,180	123,967	0	141,478	143,114
Lease Financing Loans	14,218	15,632	14,453	16,186	13,374
Foreign Loans	150,062	412,797	0	358,281	198,495
Broker & Financial Institution Loans	25,017	70,690	0	0	0
Unspecified/Other Loans	98,661	129,375	869,214	90,883	88,308
Unearned Income	0	0	0	0	0
Loan Loss Allowances (Reserves)	-3,933	-6,438	-8,945	-17,126	-18,055
Investment in Unconsolidated Subs.	0	0	0	0	0
Customer Liability on Acceptances	0	0	0	0	0
Real Estate Other Than Bank Premises	4,885	3,431	3,868	4,883	4,170
Net Property, Plant & Equipment	13,535	15,319	15,081	14,514	12,373
Other Assets (incl. Intangibles)	34,309	127,157	63,864	69,407	51,113
Other Assets	15,405	78,665	43,815	51,560	36,665
Intangible Assets	18,904	48,492	20,049	17,847	14,448
Deferred Charges	1,313	2,572	2,658	2,526	2,202
Total Assets	871,432	1,900,519	2,401,652	1,696,486	1,453,576
Total Deposits	384,222	682,365	639,512	614,202	510,693
Demand Deposits	0	0	0	0	0
Savings/Time Deposits	384,222	682,365	639,512	614,202	510,693
Foreign Office Deposits	0	0	0	0	0
Unspecified Deposits	0	0	0	0	0
Total Debt	247,213	625,772	609,106	449,253	346,008
ST Debt & Curr. Portion LT Debt	105,504	462,427	428,416	280,500	192,046
Current Portion of Long Term Debt	45,800	157,609	177,901	142,970	95,012
Short Term Debt	59,704	304,818	250,515	137,530	97,034
Long-Term Debt	141,709	163,345	180,690	168,753	153,962
LT Debt excl. Capitalized Leases	141,709	163,345	180,690	168,753	153,962
Capitalized Lease Obligations	0	0	0	0	0
Provision for Risks & Charges	2,192	664	2,032	2,963	2,288
Deferred Tax Liabilities	3,108	2,566	-2,917	-4,228	-4,231
Deferred Taxes - Credit	3,264	5,510	4,165	2,811	2,142
Deferred Taxes - Debit	-156	-2,944	-7,082	-7,039	-6,373
Accumulated Minority Interest	5,263	38,388	21,619	16,895	1,719
Other Liabilities	189,051	494,782	1,066,339	532,626	515,594
Deferred Tax Liability-Untaxed Reserves	0	0	0	0	0
Other Liabilities (excl. Deferred Income)	185,674	488,493	1,058,699	526,808	510,828
Deferred Income	3,377	6,289	7,640	5,818	4,766
Total Liabilities	825,942	1,809,093	2,321,154	1,601,855	1,376,725
Preferred Stock (Carrying Value)	27	29	34	29	1
Redeemable Preferred Stock	0	0	0	0	0
Non-Redeemable Preferred Stock	27	29	34	29	1
Preferred Stock issues for ESOP	0	0	0	0	0
ESOP Guarantees - Preferred Stock	0	0	0	0	0
Common Equity (total)	40,200	53,009	58,845	77,707	75,131
Common Stock Par/Carry Value	788	2,501	9,864	14,601	15,124
Additional Paid-In Capital/Capital Surplus	12,482	18,395	28,544	24,088	24,353
Retained Earnings	26,368	31,953	18,423	37,656	34,511
ESOP Debt Guarantee	0	0	0	0	0
Cumulative Translation Adjustment/Unrealized For. Exch. Gain	-1,021	-981	5,509	4,276	4,998
Unrealized Gain/Loss Marketable Securities	1,528	1,032	-3,561	-1,755	-2,037
Revaluation Reserves	0	0	0	0	0
Other Appropriated Reserves	55	109	66	-1,159	-1,818
Unappropriated Reserves	0	0	0	0	0
Treasury Stock	0	0	0	0	0
Total Shareholders' Equity	40,227	53,038	58,879	77,736	75,132
Liabilities & Shareholders' Equity	871,432	1,900,519	2,401,652	1,696,486	1,453,576

Cash Flow £1K

	AR 2006	AR 2007	AR 2008	AR 2009	AR 2010
Fiscal Year End	31/12/2006	31/12/2007	31/12/2008	31/12/2009	31/12/2010
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Funds from Operations	11,244	-2,688	-38,126	14,331	3,539
Extraordinaries	0	0	0	0	0
Changes in Working Capital	7,411	2,397	-58,730	3,478	16,911
Net Operating Cash Flow	18,655	-291	-96,856	17,809	20,450
Capital Expenditures	4,661	5,515	5,757	4,898	2,113
Capital Expenditures (Fixed Assets)	4,282	5,080	5,757	4,898	2,113
Capital Expenditures (Other Assets)	379	435	0	0	0
Net Assets from Acquisitions	-21	-275	0	0	0
Sale of Fixed Assets & Businesses	3,298	5,888	2,228	1,948	2,011
Purchase/Sale of Investments	-8,703	-24,180	74,125	-3,003	12,842
Purchase of Investments	-35,829	-87,187	-55,229	-79,495	-43,485
Sale/Maturity of Investments	27,126	63,007	129,354	76,492	56,327
Increase in Loans	-44,525	-90,829	-5,469	0	0
Decrease in Loans	0	0	0	151,568	42,766
Other Uses	0	-334	0	0	-4,112
Other Sources	0	14,237	22,365	105	3,446
Net Investing Cash Flow	-54,612	-101,008	87,492	145,720	54,840
Cash Dividends Paid - Total	-2,727	-3,411	-3,193	-1,248	-4,240
Common Dividends	-2,727	-3,411	-3,193	-1,248	-4,240
Preferred Dividends	0	0	0	0	0
Decrease in Deposits	0	0	0	0	0
Increase in Deposits	0	0	0	0	0
Change in Capital Stock	-362	4,764	31,728	25,034	-3,190
Repurchase of Common & Preferred Stk.	-1,245	-65	-64	-5,341	-3,191
Sale of Common & Preferred Stock	883	4,829	31,792	30,375	1
Proceeds from Stock Options	883	4,829	31,792	30,375	1
Other Proceeds from Sale of Stock	0	0	0	0	0
Issuance/Reduction of Debt, Net	60,343	140,690	-50,258	-169,049	-54,875
Change in Current Debt	63,091	81,645	-78,166	-131,685	-24,794
Change in Long-Term Debt	-2,748	59,045	27,908	-37,364	-30,081
Issuance of Long-Term Debt	3,027	60,753	29,635	2,309	0
Reduction in Long-Term Debt	-5,775	-1,708	-1,727	-39,673	-30,081
Other Funds	1,273	30,550	-12,152	-413	-4,723
Other Uses	0	0	-13,579	-422	-5,282
Other Sources	1,273	30,550	1,427	9	559
Net Financing Cash Flow	58,527	172,593	-33,875	-145,676	-67,028
Exchange Rate Effect	-3,468	6,010	29,209	-8,592	82
Miscellaneous Funds	0	0	0	0	0
Net Change in Cash	19,102	77,304	-14,030	9,261	8,344
Free Cash Flow	11,646	-8,782	-105,806	11,663	14,097

Analysis Data

	2006	2007	2008	2009	2010
Fiscal Year End	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31
Valuation
Market Capitalisation	225,116.30	53,055.29	19,491.27	16,458.79	23,636.62
Price/Earnings	36.67	6.94	0.00	0.00	0.00
Price/Sales	0	0	0	0	0.51
Price/Book Value	5.60	1.00	0.33	0.21	0.31
Price/Cash Flow	12.07	0	0	0.92	1.11
Enterprise Value/EBIT	0	0	0	0	0
Enterprise Value/EBITDA	0	0	0	0	0
Enterprise Value/Sales	10.62	12.81	10.92	7.78	7.30
Total Debt/Enterprise Value	0.52	0.89	0.95	1.04	1.10
Total Debt/EBITDA	0	0	0	0	0
EPS (basic)	0.00	0.00	0.00	0.00	-1.97
EPS (diluted) as stated	0.00	0.00	0.00	0.00	-0.81
Profitability
Operating Margin (%)	21.00	18.33	-13.97	-10.37	-2.22
Pretax Margin (%)	20.70	18.14	-69.61	-4.69	-0.93
Net Margin (%)	14.41	14.08	-47.09	-4.65	-0.86
Return on Assets (%)	0.78	0.55	-1.28	-0.13	-0.02
Return on Equity (%)	16.90	16.48	-49.17	-3.77	-0.48
Return on Avg. Total Capital (%)	2.31	1.59	-4.09	-0.43	-0.08
Return on Avg. Invested Capital (%)	3.10	3.86	-12.07	-1.06	-0.15
Efficiency
Revenue/Employee	0.33	0.24	0.29	0.30	0.30
Total Asset Turnover	0.05	0.04	0.03	0.03	0.03
Capital Structure
Debt-to-Total Equity (%)	614.54	1,179.86	1,034.50	577.92	460.53
Debt-to-Total Capital (%)	86.01	92.19	91.19	85.25	82.16
Debt-to-Total Assets (%)	28.37	32.93	25.36	26.48	23.80
Interest Coverage	0.00	0.00	0.00	0.00	0.00

Market data

Name	Latest	Var
FTSE 100	5,890.86	+0.25%
FTSE 250	11,196.27	+0.31%
DOW INDUSTRIALS	12,883.95(c)	+0.04%
HONG KONG HANG SENG INDIC	21,010.01	-0.04%
Nikkei 225	9,002.24(c)	-0.15%

Name	Latest	Var
VEDANTA	1,313.00	+2.50%
ADMIRAL GRP	987.50	+2.38%
LLOYDS GRP.	36.58	+2.21%
TULLOW OIL	1,514.00	+2.09%
BG GROUP	1,475.00	+2.01%

Name	Latest	Var
ROLLS-ROYCE HLDGS	754.00	-3.95%
TATE & LYLE	668.50	-3.81%
BR.LAND	491.20	-3.31%
HARGREAVES LANS	445.90	-3.07%
RIO TINTO	3,835.50	-0.98%

Buys

Name	Latest	Var
LLOYDS GRP.	36.58	+2.21%
GULF KEYSTONE	316.25(c)	+1.69%
VODAFONE GRP.	173.60(c)	-0.77%
GLAXOSMITHKLINE	1,392.50(c)	-0.96%
BARCLAYS	233.60(c)	-1.35%

Sells

Name	Latest	Var
BARCLAYS	233.60(c)	-1.35%
LLOYDS GRP.	36.58	+2.21%
COSALT	1.40(c)	+64.71%
BP	489.75(c)	+0.67%
MOTIVE TV	0.21(c)	+2.44%

Selftrade is a trading name and Selftrade® a registered trademark of Talos Securities Limited, which is authorised and regulated by the Financial Services Authority (FSA Register number 208271) and is a member of the London Stock Exchange and PLUS Markets. Talos Securities Ltd is incorporated in England and Wales (Registration No. 4196325, Registered Address: Boatman's House, 2 Selsdon Way, London E14 9LA). VAT No. 629 2807 22.

Data: include Bondscape, Dow Jones, Factset, FTSE, Morningstar. Conditions may apply.

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ROYAL BANK SCOT

PROFILE

Key People

Major Shareholders

Director Deals

Income Statements £1K

Balance Sheet £1K

Cash Flow £1K

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