Banking Final

Royal Bank Of Scotland 1
Pakistan
HISTORY OF BANKING
“Bank is a pipeline through which currency moves into and out

of circulation.”
Bank accepts deposits and repays cash to its customers on their

demand. The Bank borrows money at a lesser rate of interest and
lends it to the borrowers at a higher rate. It is thus a profit-lending
concern. Bank cannot lend all the money that has been deposited with
it. It has to keep a certain portion of the total deposits in cash with
them in order to meet the cash requirements of the individuals and
business concern.
Banking History
Word Bank is said to be derived from the words Banc us or Banque or

Bank. The history of banking is traced to as early as 2000 BC. The
priests in Greece used to keep money and valuables of the people in
temples. These priests thus acted as financial agents. The origin of
banking is also traced to early goldsmiths. They used to keep strong
safes for storing the money and valuables of the people. The persons
who had surplus money found it safe and convenient to deposit their
valuables with them.
The FIRST STAGE in the development of modern banking, thus, was

the accepting of deposits of cash from those persons who had surplus
money with them. The goldsmiths used to issue receipts for the money
deposited with them.
© Adnan Rasheed Hailey College of Banking &

Finance
University of the Punjab
Pakistan
These receipts began to pass from hand to hand in settlement of

transactions because people had confidence in the integrity and
solvency of goldsmiths. When it was found that these receipts were
drawn in such a way that it entitles any holder to claim the specified
amount of money from goldsmiths. A depositor who is to make the
payments may now get the money in cash from goldsmiths or pay over
the receipt to the creditor. These receipts were the earlier bank notes.
The SECOND STAGE in development of banking thus was the issue of

bank notes. The goldsmiths soon discovered that all the people who
had deposited money with them did not come to withdraw their funds
in cash. They found that only a few persons presented the receipt for
encashment during a given period of time. They also found that most
of the money deposited with was lying idle. At the same time, they
found that they were being constantly requested for loan on good
security. They thought it profitable to lend at least some of the money
deposited with them too the needy persons. This proved quite a
profitable business for the goldsmiths. They instead of charging
interest from the depositors began to give them interest on the money
deposited with them.
The THIRD STAGE, in the development of banking by experience the

banks came to know that they could keep a small proportion of the
total deposits for meeting the demands of customers for cash and the
rest they could easily lend. They allowed the depositors to draw over
and above the money actually standing to their credit. In Economics
terminology we can say that they allowed the overdraft facilities to
their depositors.
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The FOURTH STAGE, in development of banking. When every bank

issues receipts and most of them allowed the overdraft facilities, there
was then too much confusion in the banking system. The banks in
order to earn profits could not keep adequate reserves for meeting the
demands of the customers for cash. The failures on the part of the
bankers to return money caused widespread distress among the
peoples. In order to create confidence among the people, steps were
taken to regulate the banking organization. A conference was held in
Nuremberg in 1548. It was decided that a bank should be set up by the
state, which should streamline the banking organization and
technique. The first central bank was formed in Geneva in 1578. Bank
of England was established in 1694. The responsibility of issuing of
notes is now entrusted to a central bank of each country.

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COMMERCIAL BANKING IN PAKISTAN
At the time of partition total number of Banks was 38 only. Out of

these Banks the Pakistani Banks were only 2, Indian Banks 29 &
Exchange Banks were 7. The total of deposits of Pakistani Banks was
Rs.880 Million & Advances were Rs: 198 Million. According to banking
companies ordinance Banks are the companies, which transacts the
business of Banking in Pakistan.
Commercial Banks have constituted the most important [part of the

intuitional credit in the economy of Pakistan. Being the largest source
of credits, Banking Industry is a pivot of whole the economic activities
in Pakistan. Section 37(2A) of State Bank of Pakistan Act 1965 lays
down that the Banks must have paid-up capital & reserve of not less
then Rs: 5 Lac & fulfilling certain other requirements for declaring as
“Scheduled Bank”.
At the time of independence Bank services was badly affected. But

with the passage of time these are improving. The government of
Pakistan nationalized all Banks in early 1974. This act was done to
minimize control of few hands over banking. But this step was proved e
futile for the Banking in Pakistan. So the Govt. had to revise its
decision in1990. Two Banks (Allied Bank of Pakistan Limited & Muslim
commercial Bank Of Pakistan Limited has been denationalized. Since
then Banks were working well.
Now slogan of the Banks is to serve their customers in the

best possible manner.

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FORMS OF BANK
FORMS OF BANKS
Central Bank Commercial Banks
Scheduled Banks
Non-Scheduled Banks

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INTRODUCTION
Following privatization, RBS emerged as new identity of Bank ABN

Amro with a revived purpose and commitment. Charged with the
strength of Stockholum Group consortium and under the leadership
Llyodians Scotland Group, the bank has already made significant
conditions in building and strengthening both corporate retail-banking
sectors in Pakistan.
Designing the product portfolio of bank response to the customer’s

preferences, the product like Royal Profit, Royal Patriot and Royal
Custodial are prime examples of quality and innovation providing
timely banking opportunities to customers of bank. Assessment of the
needs and wants of the customers is an on going process at RBS,
which helps to continually develop new products and services. To
continuously offer courteous, professional and advanced banking
solutions, the team of bank has recently been rejuvenated by going
though training programs with a focus on information technology.
To make their banking solutions become accessible to more and more

people, they have embarked upon a rapid expansion program, aiming
to provide a networking that makes the services available to any of
their customers in all the major urban centers of Pakistan with a view
to go international in the future. With their key indicators of progress
already soaring to new heights, the bank is committed to dedicate all
its energies, resources and time to bring higher value and satisfaction
to their customers, employees and shareholders. The graph of bank is
going up and up every year. The ratio of profit is increasing at good
percentage.

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COMMERCIAL BANKING SCENARIO IN PAKISTAN
At the time of independence in 1947, there were 38 scheduled banks

with 195 offices in “Pakistan” but by December 31, 1973, there were
14 scheduled Pakistani commercial banks with 3,233 offices all over
Pakistan & 74 offices in foreign countries. Nationalization of Banks was
not done 1st January 1974 under the Nationalization act 1974, due to
certain objectives. But it had negative effects on efficiency of the of
the banking sector afterwards a privatization Commission was set up
on January 22, 1991, the commission transferred many banks to the
private sector i.e., MCB & ABL.
The government approved & permitted the establishment of 10 new

private banks in 1991; hence many new private banks have
incorporated, since then, RBS in one of the namely established private
scheduled banks in Pakistan.

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INTRODUCTION TO RBS
The Royal Bank of Scotland Group has grown from small beginnings
nearly 300 years ago to become the second largest financial services
group by profit, in the world. With an AA credit rating, RBS group has
more than 40 million customers worldwide, operating profit in 2007
₤10.3 billion, and total assets, as at 31 December 2007, of GBP 1,900.5
billion. Our brands operate around the globe and down your street to
provide banking services for individuals, businesses and institutions.
Proud of our history, we remain committed to innovation and service -
in business and through our many sponsorship activities.
Asia Pacific
The Royal Bank of Scotland Group is now one of the top five banks in
the Asia Pacific region for corporate and institutional customers, and
retains a strategic partnership with Bank of China. We also provide
wealth management services across the region through RBS Coutts.
Europe
As well as having the largest branch network in the UK and providing
market-leading wealth management, consumer finance, insurance and
corporate banking solutions to millions of customers, the RBS Group
has a growing presence across the rest of Europe.

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North America
The Royal Bank of Scotland Group is now one of the top 10 banking
groups in the US, and an established name across North America.
Citizens Bank has retail branches in 13 states, while RBS Global
Banking & Markets works with 80 per cent of the Fortune 100
companies.
Assessment of the needs and wants of customer is an on going process

at RBS, which help to centennially develop new products of services.
Designing the product portfolio in response to royal patriot, royal
custodial, RBS car finance, RBS rupee traveler cheques home loans are
prime example of quality innovation providing timely banking
opportunities to customer. To continuously offer courteous,
professional and advanced banking going through training programs
with focus to information technology has recently rejuvenated solution
the team of bank.
With their key indicators of progress a steady soaring to new heights,

the bank is committed to dedicate all its energies, resources and time
to bring higher value and satisfaction to their customers and
employers. The graph of the bank is going up and up every year. The
ratio of profit is increasing at a good percentage. The bank is serving
the people at high level of standard by according to expectation of
customers.

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BRANCH LEVEL HIERARCHY
Area Manager
Mr. Shahid Husain

Qazi
Corporate Manager
Mr. Asif Ali Sheikh
Branch Manager
Mr. Aon Abbas
Operation Manager
Mr. Ali Akbar
OPERATION FOREIGN CREDIT

DEPARTMEN EXCHANGE DEPARTM
T
DEPARTMENT ENT
Imports
CMD
Cash Department
Mr. Yaseen
Mr. M.Farrukh
Mr. Sh. Adeel Aslam
Exports
Mr. Arif CAD
A/C Opening Mr. Arif Naqvi
Dept. (Miss
Amara)
Home Finance
Remittance Dept. Mr. Atriaz Ali
Mr. Danish
Agri-Finance
Accounts Dept. Mr. Nawazish Ali
Mr. Jawad Durrani

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THE VISION
Our vision is to be a leading financial institution, with a niche in areas

where we have a competitive advantage with complete banking
solutions. Our focus is on improving performance in each of our
businesses to achieve consistent and superior returns for our highly
valued clients and stakeholders.

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THE MISSION
Our mission is to maintain a competitive edge in quality banking,

customer service and profit performance. Our activities are geared
towards making Bank RBS a responsible corporate citizen. The
emphasis on “Quality & Innovation” will remain our key mission
statement. We will continue to strengthen our position as the leading
provider of quality financial services in Pakistan.
The Philosophy
 Excellence in service
 Quality performance
 Product innovations

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THE BOARD
Chairman
Philip Hampton
Appointed to the Board as Deputy Chairman on 19 January 2009, and to the

position of Chairman on 3 February 2009, Philip has held the position of
chairman of J Sainsbury plc since 2004. Previously, he was group finance director
of Lloyds TSB Group plc from 2002 to 2004, group finance director of BT Group
plc from 2000 to 2002, group finance director of BG Group plc from 1997 to
2000, group finance director of British Gas plc from 1995 to 1997, group finance
director of British Steel plc from 1990 to 1995, an executive director of Lazards
from 1981 to 1990 and a non-executive director of RMC Group plc from 2002 to
2005. Philip is the former chairman of UK Financial Investments Limited, the
company established to manage the UK Government's shareholding in banks
subscribing to its recapitalisation fund, and has also been a non-executive director
of Belgacom SA (the Belgian telecom group) since 2004.
Executive Directors
Group Chief Executive
Stephen Hester
Appointed to the Board on 1 October 2008, and to the position of Group Chief
Executive on 21 November 2008. Stephen Hester was chief executive of The
British Land Company PLC. He was previously chief operating officer of Abbey
National plc and prior to that he held positions with Credit Suisse First Boston
including chief financial officer, head of fixed income and co-Head of European
Investment Banking. In February 2008, he was appointed non-executive deputy
chairman of Northern Rock PLC, a position he relinquished on 1 October 2008.
He is also a trustee of The Royal Botanic Gardens, Kew Foundation.

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Deputy Chief Executive
Gordon Pell (59)
FCIBS, FCIB
Appointed to the Board in March 2000, Gordon Pell was formerly group director
of Lloyds TSB UK Retail Banking before joining National Westminster Bank Plc
as a director in February 2000 and then becoming Chief Executive, Retail
Banking. He is also a director of Race for Opportunity, and a member of the FSA
Practitioner Panel. He was appointed chairman of the Business Commission on
Racial Equality in the Workplace in July 2006 and deputy Chairman of the Board
of the British Bankers Association in September 2007.
Group Finance Director
Guy Whittaker (52)
Appointed to the Board in February 2006, Guy Whittaker joined RBS after
spending 25 years with Citigroup. He was formerly the Group treasurer based in
New York and prior to that had held a number of management positions within
the financial markets business based in London

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Non-Executive Directors
Colin Buchan* (54)
A,R (Chairman)
Appointed to the Board in June 2002, Colin Buchan was educated in South Africa
and spent the early part of his career in South Africa and the Far East. He has
considerable international investment banking experience, as well as experience
in very large risk management in the equities business. He was formerly a
member of the group management board of UBS AG and head of equities of UBS
Warburg, and was the former chairman of UBS Securities Canada, Inc. He is
Chairman of Standard Life Investments Limited, a director of Standard Life plc,
Merrill Lynch World Mining Trust Plc, Merrill Lynch Gold Limited, Royal
Scottish National Orchestra Society Limited and Black Rock World Mining Trust
Plc.
Archie Hunter* (65)
A (Chairman), N
Appointed to the Board in September 2004, Archie Hunter is a chartered

accountant. He was Scottish senior partner of KPMG between 1992 and 1999, and
President of The Institute of Chartered Accountants of Scotland in 1997/1998. He
has extensive professional experience in the UK, and in North and South
America. He is currently chairman of Macfarlane Group plc, a director of
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Edinburgh US Tracker Trust plc, and a governor of the Beatson Institute for
Cancer Research
Joe MacHale* (57)
A,N
Appointed to the Board in September 2004, Joe MacHale is currently a non-

executive director and chairman of the remuneration committee of Brit Insurance
Holdings plc, and a trustee of MacMillan Cancer Support. He held a number of
senior executive positions with JP Morgan between 1979 and 2001, and was
latterly chief executive of JP Morgan Europe, Middle East and Africa Region.
John McFarlane* (61)
R,N
Appointed to the Board on 1 October 2008, John McFarlane is former chief

executive officer of Australia and New Zealand Banking Group Limited.
Previously he was a group executive director of Standard Chartered and was head
of Citicorp/Citibank in the UK and Ireland. He is currently a non-executive
director of Westfield Holdings Limited and a director of Old Oak Holdings
Limited. He is a former President of the International Monetary Conference and a
former Chairman of the Australian Bankers Association. He has previously served
as a director of the London Stock Exchange and a member of the Auditing
Practices Board.

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Arthur (Art) Ryan* (66)
Appointed to the Board on 1 October 2008, Arthur Ryan is the former chairman,
chief executive officer and President of Prudential Financial Inc. Previously he
held senior positions with Prudential Insurance and the former Chase Manhattan
Bank NA. He is currently a non-executive director of Regeneron Pharmaceuticals
Inc. and an active member of numerous community boards. He was a founding
member of the Financial Services Forum.
Group General Counsel and Group Secretary
Head of Legal
Miller McLean (59)
FCIBS, FIB
Miller McLean was appointed Group Secretary in August 1994. He is a trustee of

the Industry and Parliament Trust, non-executive chairman of The Whitehall and
Industry Group and president of the Chartered Institute of Bankers in Scotland.

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CORPORATE INFORMATION
Chairman
Mr. Muhammad Aurangzeb
President & Chief Executive
Mr. Shehzad Naqvi
Directors
Mr. Shamim Ahmad Khan
Mr. Robert Ralph Davis
Mr. James Alexander Brown
Mr. Shahid Hafiz Kardar
Lt. Gen (Retired) Muhammad Maqbool
Chief Financial Officer
Mirza Zafar Baig
Company Secretary
Mian Ejaz Ahmad
Audit Committee
Mr. Shamim Ahmad Khan Chairman
Mr. Shahid Hafiz Kardar Member
Mr. James Alexander Brown Member
Lt. Gen. (R) Muhammad Maqbool Member
Risk Management Committee
Mr. Shehzad Naqvi Chairman
Mr. Robert Ralph Davis Member
Mr. James Alexander Brown Member
Lt. Gen. (R) Muhammad Maqbool Member
Auditors
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Messrs M. Yousuf Adil Saleem & Co.
Chartered Accountants
Cavish Court, A-35, Block 7& 8, K.C.H.S.U.
Sharah-e-Faisal, Karachi.
Legal Advisor
Messrs Hassan & Hassan (Advocates)
7-D, Kashmir/Edgerton Road,
Lahore.
Registrar
Messrs Hameed Majeed Associates (Pvt) Limited
H.M. House, 7-Bank Square,
The Mall,
Lahore.
Principal Office
16, Abdullah Haroon Road
Karachi.
Registered / Head Office
77-Y, Phase-III, Commercial Area,
D.H.A.,Lahore.

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BANK RBS’s SLOGAN

”MAKE IT HAPPEN.”

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BRANCHES NETWORK
Bank RBS has 95 branches in 12 cities of Pakistan. Detail of some
major branches as under: -
Karachi
 Main branch, B.A. Building, I.I. Chundrigar Road
 Cloth market branch
 Clifton branch
 Shahrah-e-Faisal Branch
 Jodia Bazar branch
 Korangi industrial area branch
 M.A. Jinah Road Branch
 S.I.T.E Branch
 Paper market branch
 North Karachi branch
 Gulshan-e -Iqbal
 Karachi stock exchange
 North Napier road branch
 S.I.T.E Branch
 P.E.C.H.S Branch
 Timber Market Branch
 D.H.A. Branch
Lahore
 Gulberg branch
 DHA Lahore

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 Defense branch
 Circular road branch
 Township branch
 LDA Plaza branch
 Badami bagh branch
 Allama Iqbal branch
 Shah Alam Market branch
Rawalpindi
 Mall road branch
 Satellite town branch
Other Branches
Other branches are in:
 Sialkot
 Islamabad
 Peshawar
 Multan.
 Faisalabad
 Quetta
 Gujranwala
 Rahim Yar khan
 Sargodha-

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Now, Bank RBS is going to establish its branches in some foreign
countries. Hopefully, in Dhaka (Bangladesh) and Bahrain, its branches
will be opened in the year 2004. Some branches will also be opened in
European countries. Bank is going to establish its branches in D.G.
Khan, Bore wala and in Bahawalpur as well.
ABOUT THE BANK FEATURES
Bank RBS Limited is an established bank. It has some special features

with the help of those it is growing rapidly.
Pursuit of Excellence
Bank RBS has continued its upward climb in pursuit of excellence.

Strengthened by backing of the Abu Dhabi group and driven by
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strategic goals set out by its Board and Management, bank RBS
increasingly inspires trust and confidence of all its clients. Within a
short span of time the bank has carved a significant niche for itself in
the banking industry.
These achievements have been preceded by concerted efforts to

provide highest levels of service and value to our customers. The bank
aims to future enhance performance standards through
implementation of innovations in both products as well as customer
care, by discovering newer avenues of client benefit. This customer-
focused strategy has enabled Bank RBS to evolve as a single source
financial service provider of corporate and retail banking services.
Dedicated Professionals
The bank RBS team comprises of dedicated professionals equipped

with a diverse array of skills, vast experience and pro-customer
attitudes. The management concentrates its energies on making
informed economic decisions, translating it into grater returns for our
investors and customers. This prudent attitude has created a
synergistic organizational structure leading to improvements in
profitability and a sustainable competitive advantage for the bank.

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A High Responsive Product Portfolio
Not only comprehensive but also customize to match the needs and
preferences of our customers. These strategic characteristics of our
portfolio have helped us to face challenging economic conditions.
Our product lineup continues to fulfill and satisfy the banking

requirements of not just the conventional consumer, but the
demanding financial needs of the corporate sector as well. The lineup
includes:
Car financing, Rupee Travelers Cheques, Anmol Saving

Certificates, Home Loans, On-Line Banking, Money Gram
Remittance Service, Monthly income plan, Credit Cards, ATMs.
Outstanding Work Environment
As the work environment plays a great role in this competition age, so

the bank has good work environment. All the people work with
cooperation; managers are so kind that each problem can be discussed
with them.
Efficiency

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Employees at Bank RBS are quite efficient. They work more than their
working hours and it is all according to their will. It also shows
their loyalty, commitment to organization.
Customer Services
All the customers are entertained individually. Same kind of behavior

and attention is given to all the customers. Branch sitting
arrangements; internal atmosphere is above meeting international
standards
Suggestions Asked From Customers
Getting ideas for improvement from customer side is a new idea and
that is working very well in Bank RBS Ltd. All the customers are asked
to fill a suggestion form and the standards of the bank are improved
through them. Daily report maintained about the complaints and
presented to the top management and it will show their interest about
development.
Employee Benefits
Employees are given the benefits like bonus, gratuity funds, loans,
increments, and house rent, medical and conveyance allowances.

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Computerized Working Environment
In bank, all the work is done remotely. All the entries are made using
the systems, which are internally and externally integrated. This
increases efficiency of the bank.
PRODUCTS
Bank RBS is designing its portfolio bank is committed to develop

products that give more value to its customers in both the sectors in
corporate and consumer need.

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Financing
Debt Financing
o Credit Markets
o Securitisation
o Advisory & Structuring
Equity Financing
o Equity Capital Markets
o Corporate Broking
o Strategic Equity Solutions
o Equity Financing & Collateral Trading
Asset Finance
o Aviation Capital
o RBS Nordisk Renting
o Shipping Finance
o Leasing (RBS Asset Finance)
2. Cross Border Structured Finance
3. Equity Finance
4. Sustainable Finance
5. Invoice Finance
6. Mergers & Acquisitions
7. Royal patriot
8. Royal group
9. Financing scheme
10. RBS Car financing
11. Bank RBS home loan
12. Rupee traveler cheque
13. Credit Cards
14. Agri-Finance

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Following their trend of bringing value added products and services to
their customers the bank has present Royal Group, Royal Profit and
Royal Patriot.
Investing
• RBS Asset Management

• Structured Products
Risk Management & Trading
• Credit

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• Short-Term Markets
• Government Bonds
• Rates & Inflation
• Foreign Exchange
• Equities
• Commodities
• Strategy & Research
• Pensions
• Futures
• Prime Brokerage
• Local Markets
Transaction Services
International Cash Management

o Payables & Receivables
o Treasury & Investment Management
Global Trade Finance
o Trade Services
o Trade Finance
o Supply Chain Finance
o Card Solutions
Electronic Banking Platforms
• Access Online
• Bankline
• Access Direct
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• SWIFT Corporate Access
• Online Trade Finance (TradeFlow)
• Supply Chain Solutions (MaxTrad)
• Marketplace
.
Credit Markets
We offer corporates, financial institutions, supranational, sovereign and regional public

sector agencies a broad range of debt market solutions, from syndicated loans and private

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placements to bonds, hybrid capital and securitisation, in a range of major and local
currencies.
Our origination, structuring and execution expertise is available to clients in the UK,
Europe, the US, the Middle East, South Africa and Asia Pacific. Our worldwide
distribution offers you cost-efficient debt finance and access to a broad investor base.
Focusing on your needs
Our client-focused approach delivers the debt markets solution that provides the best
outcome for your business. Based on a detailed understanding of your business and
financial risks and objectives, we seek to bring you innovative financing ideas that meet
your requirements and help to reduce your cost of capital.

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Delivering results
A key concern for any debt markets borrower is achieving a high standard of execution.
We consistently win industry recognition for the deals we lead and our market leadership
and creativity. Recent examples of awards, rankings and deals include:
• Ranked first for EMEA syndicated loans and fifth globally1. Notable deals
included our roles as lead arranger for both Rio Tinto’s $40billion financing for
the acquisition of Alcan in July 2007 and Telefonica’s £18billion financing for the
purchase of O2 in December 2006
• Ranked second for combined sterling and euro bonds market share, and first for
number of deals, with 80 completed2. Credit magazine’s corporate bond house of
2007 and lead manager of the two largest corporate bond deals of 2007, Enel and
E.ON
• Ranked first for cross-border private placements in 2007, for the sixth year
running3
• Ranked in the top three for global and European securitisation since 20054, as
well as IFR’s European and North American Securitisation House 2007

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Understanding your investor base
Accessing the debt markets on the best achievable terms requires a deep understanding of
your investor base and what each segment – and even individual institutional client – is
looking for.
We are continually in the market with a broad range of asset classes originated from a
diverse set of issuers. Combined with our strong commitment to providing secondary
liquidity in the markets, we have a clear perspective on investors’ preferences and
requirements in terms of maturity, currency, structure and pricing.
By knowing what investors want, we can structure your transaction to ensure seamless
execution at a competitive all-in cost, helping to build your reputation and following
among institutional investors.
1. Source: Thomson Financial, for the first three calendar quarters 2007.
2. Source: Source: Dealogic, January to December, 2007.
3. Source: Private Placement Monitor.
4. Source: Thomson Financial, 2005 to December, 2007.
Securitisation
We work with a broad range of assets – including consumer loans, residential and
commercial mortgages, credit cards, auto loans and whole businesses – delivering
complex tailored securitisations.
Our global origination and distribution capability extends across all major currencies and
funding markets, including asset backed commercial paper, public debt and multi-seller
conduits in Europe and the US (TAGS) and Asia (St George). Whether you are a
financial institution, a corporate or in real estate we can meet your needs.

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Serving you globally
Our teams of structurers, specialist execution professionals, research analysts and support
staff are based in London, Greenwich (Connecticut), Tokyo and Sydney.
All this gives us great expertise in the sector, so we can anticipate investors’ expectations
regarding structure and pricing – and ensure smooth execution of your deal.
Demonstrating our strength
Our product excellence and distribution strength is well recognised. We are:
• Euromoney Best ABS House 2008
Advisory & Structuring
Our advisory and structuring team delivers first-class, commercially-minded advice and
comprehensive financing and risk management solutions to corporates and financial
institutions in the UK and the US.
We use our analytical and technical capabilities – including actuarial, tax and accounting
and quantitative modelling skills, and our expertise in a broad range of products and
markets – to develop strategic options for you to consider.

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Helping meet your goals
We can meet your needs in a wide variety of areas, including:
• Eliminating risk pre- and post-completion for cross-border acquisitions

• Managing interest rate and currency risk on specific projects
• Structuring capital instruments to meet rating agency and regulatory requirements
• Meeting the challenges posed by accounting standards such as IAS39
• Developing liability-driven strategies for the pensions and insurance sector: we
were ranked second for asset liability management and pensions structuring by
Life & Pensions magazine in 2007
• Advising financial institutions on capital structure (including the use of hybrid
capital), asset and liability management and strategic portfolio management
Identifying the challenges you face
Our proposition is based on building a long-term partnership with you. We gain deep
knowledge of your business and capital structure and combine it with our strong expertise
in your sector so that we are able to proactively suggest strategies that support your
operational goals.
Our advice is candid. We identify the real challenges facing your organisation and offer
ways to meet them. And because we are product-neutral, our approach aims solely at
meeting your requirements and the strategic challenges you face.

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Equity Financing
In late 2007, RBS successfully led the consortium bid for ABN AMRO. Building on our
already extensive relationships with corporates, financial institutions and governments in
Europe, North America and Asia Pacific, the ABN AMRO transaction will extend our
presence to more than 50 countries, improving our ability to meet your needs around the
globe.
RBS Aviation Capital is the bank’s centre of excellence for commercial aircraft finance.
We lease aircraft to airlines and offer airlines and aircraft investors an extensive range of
aviation financing solutions.
Our banking and leasing expertise provides a “one stop shop” to meet your specific
requirements. With our broad suite of financing products we can offer solutions tailored
to our customers needs.
Strong global franchise
Our 90-strong team based in Dublin, London, Greenwich, Hong Kong, Shanghai,
Toulouse, Dubai, Singapore and Tokyo serves 100 airline customers in 38 countries, and
has:
• Ownership or management of, or orders for, 372 aircraft

• Loans secured against over 320 commercial aircraft
• Total lending and owned assets of $12 billion

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Placing our sector knowledge at your disposal
We are one of the top five commercial airline lessors worldwide by scale and one of the
global leaders in aircraft finance and can leverage our deep understanding of the aircraft
business and global finance environment to benefit you. We have a strong track record of
using markets effectively for clients and managing their risk.
Among our products are:
• Sale & Leaseback financing

• Operating leasing from our own order book
• Manufacturer pre-delivery payment (PDP) financing
• Export credit supported financing
• Tax-based products
• Capital markets products, such as equipment trust certificates
• Currency, interest rates and other derivatives to manage your risk
RBS Nordisk Renting
By leasing rather than owning your property, you can unlock capital, focus on your core
operations and create financial flexibility to invest or expand.
RBS Nordisk Renting acquire, own and lease properties in the Nordic region, working
with financially strong companies and public sector organisations as our long-term
tenants and partners.

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You maintain control and flexibility
You manage and operate properties that you lease, keeping control of strategic real estate,
such as schools, offices and power stations.
Our long-term contracts offer you a variety of options to control leasing costs and even
the possibility of repurchasing assets.
Delivering stability and experience
We have built strong relationships with companies and public sector organisations across
the Nordic region because we have the experience to deliver lasting solutions. We have:
• Real estate leasing expertise since 1986.

• 200 properties with a floor area totalling 2million square metres1.
• A portfolio valued at SEK23billion (€2.46billion)1.
• A solid financial foundation, through our ownership by the RBS group, rated
Aaa/AA/AA+2.
1. Internal Nordisk Renting figures, as at November 14.
2. For the Royal Bank

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RBS Asset Management
RBS Asset Management Limited ('RBS AM') is an integrated asset management business
with c.US$67bn of assets under management*, managing money on behalf of a broad
range of third-party institutional and high net worth investors.
RBS AM is active in most traditional asset classes using fund of funds structures and
multi-manager strategies. We also specialise in alternative investments such as private
equity and credit products as well as funds of hedge funds.
Our aim is to produce superior returns for our investors by leveraging our market leading
expertise with the relationships and resources of the wider RBS Group. In order to fulfil
this mission, we focus on generating strong and sustainable performance, providing a full
range of innovative products and delivering a first-class client service.
Our wide range of services are organised across three distinct business areas:
• Investment Strategies
• Royal Bank Equity Finance
• Credit Investments

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Structured Products
Structured Products have opened up a whole new world of opportunities for investors. By
providing access to a large variety of markets, asset classes and trading strategies, these
investments offer innovative solutions to a growing investor demand.
Focusing on your investors
We work with you to understand your investors needs and anticipate the products that
will appeal to them. With more than 30 000 products now on offer, you can target a
specific market view, risk profile or investment horizon. A wide range of products are
available for view on our website. Alternatively, we offer customized products tailored to
satisfy specific customer needs
Capitalising on innovation
We strive to be at the forefront of structuring technology and creating access to new

markets and investment themes. Our next-generation products such as Autopilot
automatically allocate investments across multiple, uncorrelated asset baskets to capture
upswings and protect against downturns.

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Seeing it through your eyes
Our international team of experienced marketers and product specialists strive to see
things through your eyes; providing a seamless, end-to-end service to support your
precise needs. Whether it is an RBS product, or a white label solution, proactive advice
and client support are an essential part of our approach.
Our aim is to provide a one stop shop for creating, distributing and servicing multi-asset
structured products targeting private and retail investors:
• Sales support for banks, independent asset managers, IFAs and AAB network
who distribute or trade on behalf of private investors
• Established multi - asset platform with products for trading, tracking, yield and
protection
• New growth areas in Sharia, emerging market, commodity, Eco, fund derivatives
and Exchange Traded Funds
• New product areas: pension product, alternative investments
Understanding the difference
We believe you can only make the best decisions by truly understanding a situation. We
go to great lengths to provide education and ensure both the opportunities and risks are

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clearly explained with any investment. With a clear view, you can focus on what matters
– your clients.
We give access to a wide range of underlyings from 72 countries, specialising in

emerging markets. We offer a full range of commodities including: base metals, precious
metals, rare metals, energy, soft commodities and over 200 customised indices. We have
a strong capability on theme based products e.g. market leading eco indices; pharma
indices, Africa, water and infrastructure.
Credit
Our team of around 100 credit professionals provide liquidity in a broad range of cash
and derivative products worldwide, always focusing on adding value and meeting your
needs.
Delivering strategic insight and first-class execution
Our cash and derivative trading is combined to increase visibility and flexibility, our
analysts have detailed knowledge that enables them to bring you strategic insights, and
our first-class execution is available by voice or electronically.
• We make markets in bonds, indices and credit default swaps referencing leading
corporate and institutional names, both investment grade and high yield
• We are a leading trader in leveraged loans and have an increasing presence in
distressed products
• We span the asset-backed product range from AAA-rated senior tranches, to
residual or first-loss risks, in pools of residential and commercial real estate,
consumer and other receivables, as well as cash collateralised debt obligations

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Mitigating your risks
We can transform your credit risks by mitigating risk embedded in specific transactions,
or through creating market access by tailoring risk in a format that suits you.
Short-Term Markets
We are a top tier provider of short-term markets solutions, consistently delivering

sizeable liquidity to financial institutions, corporations and the public sector. We also
offer a range of distinctive investment solutions.
Our detailed understanding of risk modelling, combined with one of the strongest balance
sheets and credit ratings in banking1, means we are able to help you manage short-term
liquidity, mitigate short-term risks and place funds on deposit.
Providing a full product range, globally
Working from trading desks in Europe, North America and Asia, in all the major
currencies, we deliver the following products:
• Deposits, certificates of deposits and loans

• Money market funds
• FRNs and commercial paper
• Forward foreign exchange
• Swaps and FRAs

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Combining security, liquidity, performance and convenience
Our Global Treasury Funds products offer the security that comes from diversification,
attractive returns and daily liquidity. Our dealing service is open from 8am to 1pm (4pm
for US$), which is longer than many other providers offer.
You can have confidence in us because the leading rating agencies rank our funds among
the best1
Leading the way in execution
Following sustained innovation in e-commerce, we have highly efficient product and

processing capabilities, electronic pricing and client connectivity architecture. We offer
all our products on multi-bank electronic platforms.
1. AAAm by Standard & Poor’s, Aaa from Moody’s, and AA from Fitch.
Government Bonds
Our government bond trading capability includes primary dealerships in major European
countries, so we have excellent market visibility. And our government bond origination,
syndication and distribution operation gives us valuable insights when sourcing or
hedging interest rate risk for you.
Managing and taking on your risk
We trade government bonds as part of our Flow Delta trading business, which provides
interest rate risk management solutions to financial institutions, corporates and the public

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sector. You can rely on us for risk management and transfer even in tough conditions
because we offer a consistent risk warehousing capability.
Providing access to bonds in all major currencies
Our product range spans all major currencies and maturities including:
• Government, supranational and agency bonds

• Covered bonds
• Interest rate, asset, cross currency and overnight index swaps
• Forward rate agreements
• Asset backed commercial paper
• Floating rate notes
Proving the quality of our service
The quality of our pricing, service, advice and coverage is widely recognised. Our
electronic platform is ranked fifth for government bonds1. We are also ranked fifth for
interest rate swaps, options and forward rate agreements globally2.
Foreign Exchange
Whether you are looking for reliable access to deep liquidity, a comprehensive range of
electronic trading platforms and technology, or integrated cross-product capabilities, we
provide a world-class foreign exchange service.
• Core FX
• Currency Derivatives
In recent years, we have become one of the world’s leading foreign exchange providers,
ranked fourth globally1, precisely because we deliver a quality of service few can match.

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Providing accurate prices
Electronically, we provide objectively priced spot rates for more than 100 of the most
actively traded currency pairs. Using multiple independent pricing sources, combined
with our deep-rooted knowledge of the marketplace, our innovative algorithmic pricing
methodology calculates some of the most accurate foreign exchange prices available.
Along with our robust infrastructure, this gives you and us confidence in the accuracy of
our prices – even in times of extreme volatility.
Add this to our experienced discretionary trading teams strategically located in London,
Greenwich and Hong Kong, and we believe we have the perfect mix on a 24 hour basis.
Finding innovative solutions
We can also create innovative solutions for all your trading and hedging needs. Our keen
appetite for risk and strong cross product offering can deliver best execution whatever the
scope or requirement, building the tools and structures that best add value.
Developing new technology
Precision pricing, market depth and sophisticated pricing controls allow us to facilitate
request for stream (RFS), request for quote (RFQ) and a fully automated order book.
Within our electronic trading suite, RBS Trade, you can also access a variety of bespoke
services. RBS FiX provides transparent benchmark execution, and FXmicropay delivers
automated pricing of high volume BACS transactions.
Whether large corporate, financial institution, small/medium-sized enterprise or retail, we

have the technology, knowledgeable people and market intelligence to meet your needs.
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Commodities
RBS Sempra Commodities brings together a top-tier commodity trader and a leading
global bank to create one of the most comprehensive and competitive commodity
franchises worldwide.
The partnership between Sempra Energy and The Royal Bank of Scotland, completed on
1 April 2008, gives you greater possibilities by integrating commodity related physical
trading, risk management and financing solutions.
With operations in Europe, the Middle East, Africa, Asia Pacific and the Americas, RBS
Sempra Commodities employ c.900 people with c.2,600 customers.
Our principal commodities are natural gas, oil, power, coal, metals, green credits and
agricultural products.
Adding Value
RBS Sempra Commodities' key strengths are as a highly rated physical commodities
merchant, a commodity derivatives trader, a provider of risk management solutions, and a
supplier of warehousing facilities and storage.
We are able to deliver integrated physical commodity and financing solutions for our
global customers. For investors, working closely with your experienced structured
products professionals, we create bespoke investment products that reflect your view of
the market.
Across all of these areas, we add value for our customers by delivering excellent
execution, range of solutions, competitive pricing, in depth market knowledge and
liquidity.

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International Cash Management
Working capital, working harder
In today’s global marketplace, companies are dealing with more currencies, countries and
partners in more time zones and regulatory regimes than ever. The critical business of
managing payables and receivables – locally, regionally and globally – has grown
increasingly challenging.
Some businesses are just now getting to grips with multiple currencies. Others have
already moved from in-country treasury offices to a single regional treasury centre for
euros. Some are now looking to centralise other currencies, either regionally or across the
globe. Whatever your ambitions, we can offer integrated payment and collection

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solutions, both physical and electronic, that can accelerate cash conversion and free up
working capital.
We are a major sterling clearer and a significant euro clearer, and we have the scale,
platforms and expertise to handle currencies from across the world. Whether you’re
looking to optimise your existing treasury structure, want to begin the journey towards a
centralised treasury or need help with the final push, we’ll work with you to bring your
vision to life.
From ambition to reality
Our payables and receivables solutions can be integrated seamlessly with our state-of-
the-art liquidity toolkit to take your management of working capital to a new level.
Whether you want to automate cross-border sweeps, create a cross-currency notional pool
or concentrate cash from a number of third-party bank accounts, our liquidity solutions
can transform your ambitions into reality. Indeed, by managing liquidity regionally or
even globally, companies are gaining unparalleled control over their cash and achieving
significant financial and operational benefits. With your cash in one place, you can use it
to pay down debt or invest it for an improved return. Our specialist liquidity advisory
desks – an industry innovation that set the benchmark for our competitors – are focused
on finding the best options for your surplus liquidity.

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Global Trade Finance
Empowering global business
In recent years, global trade growth has consistently outpaced global GDP growth.
Increasing numbers of companies are sourcing, producing and selling across international
borders, thereby boosting the volume of trade flows. These factors add up to a healthy
outlook for world trade.
As a result, your company faces increased trade transactions with more parties in more
markets. At the same time, you also need to overcome the obstacles and minimise the
costs of trading globally. When you’re under pressure to optimise cash and enhance your
balance sheet, we can help you achieve a competitive edge and unlock valuable working
capital from your supply chain.
Our solutions range from the traditional payments products that underpin international
trade – such as letters of credit – to support for open account trading and the financing of
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supply chains. Combining deep sector expertise and an advisory approach with a broad
product range and on-the-ground presence in both developed and emerging markets, we
are able to deliver regional and global trade finance and supply chain finance that can
help you maximise returns from trade assets and support your sales efforts to develop
new markets.
Successful partnerships
Our supply chain solutions are highly effective in strengthening relationships between
corporate buyers, their strategic partners and core suppliers. As businesses look to build
close, mutually rewarding partnerships with their suppliers – across greater distances than
ever – we can help you develop the sustainable relationships on which your success
depends.
Connecting businesses across the world
Our award-winning web-based trade platforms offer a secure point of access to all our
trade processing and supply chain finance solutions. By providing an unprecedented level
of visibility into the purchase-to-pay cycle, we enable you to achieve even greater
operational efficiencies and optimise your working capital.
Advisory approach
Since no two clients or industries are alike, neither are trade and supply chain solutions.
Our advisory team works closely with your trade, logistics, IT and finance (treasury)
departments – and your suppliers and customers – to fully understand your key business
drivers.
In the same way that supply chain management cuts across several functions within
your business, it also involves several disciplines within a bank. By bringing together
bank-wide expertise in trade and cash management, financing and risk, our trade and
supply chain solutions deliver real value to your business
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Card Solutions
Our card and merchant-acquiring solutions give you the flexibility and control you need
to optimise cash flows
• Overview
• Commercial Cards
• Card Payment Processing
Greater flexibility, greater control
Cards are more than just a convenient way of paying for goods and services. Our card
solutions enable you to quickly and effectively streamline your finances with little
upfront cost or infrastructure development. They can help you operate seamlessly across

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borders, improve your cash flow, and shape expenditure throughout your business –
which is good news for your working capital.
RBS WorldPay, our global merchant services business, enables you to accept payments
from all major credit, debit and charge cards – whether over the counter at the point of
sale, online or on the go.
A top three player globally in merchant acquiring, we are the market leader in the UK
and Europe, and top ten in the US. In addition, we are Europe’s leading provider of e-
commerce services, with solutions for every business – from the largest multinational to
the smallest start-up.
Whatever the complexity of your card payment processing needs, we can help you
maximise sales, improve your customers’ experience at point of sale and collect
payments quickly.
Card issuing
We are a cards provider too. With the right cards programme in place, you can drive cost
efficiencies to your bottom line across your organisation, access new markets easily and
cheaply, and dramatically reduce administration.
The key is to find the best solution for your business, whether you want to extend the
period between purchase and payment or manage a particular type of expense. We offer a
range of options, from charge cards to credit cards, and from pre-loaded and dedicated
purchasing cards to customised multinational solutions.

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You can manage and control your cards online, enabling you to consolidate and analyse
financial data from your card programmes in real time, whenever you like.
Access Online
A single window to manage your transactional flows
Access Online brings together trade, cash management and FX services in a single,
integrated web-based solution. By integrating our proven and robust online payments,
balance and transaction reporting platform with our market-leading trade finance portal,
and a fully automated foreign exchange dealing platform, we empower you to more
effectively manage your global cash flows and execute transactions.

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Comprehensive functionality
Access Online tracks and manage your account balances, transactions and open cash
positions, letting you transfer surplus funds into higher-yielding liquidity products. It
provides a secure environment for trade documentation, confirmations, statements and
reports, and supports your foreign exchange requirements, 24 hours a day, from any
location.
Delivered over a secure internet connection, Access Online is easily implemented. It

requires no local software or maintenance, and users benefit immediately from any
enhancements to Access Online functionality and capabilities.
Access Online gives you the tools you need to maintain a competitive advantage:
• Consolidated reporting of transaction status, balance positions and exposures

across products and currencies
• Automatic email notification of processed payments and other personalised online
or email alerts
• Letters of credit, purchase orders and other trade finance instruments can be
initiated and tracked efficiently
• Via Access Online, you can initiate FX spot, forward and swap trades for multiple
counterparties in over 64 currency pairs.
Online Trade Finance (TradeFlow)
TradeFlow is a free-to-access, secure web-based tool that is simple to use and makes it
easier to arrange and receive advice of your trade finance for imports and exports. It
allows you to create, amend and view your letters of credit (including standby letters of
credit), collections, bonds and guarantees instantly online, and to keep track of your
transactions through the web.

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Making administration easier
TradeFlow tracks the progress of all your transactions in one location. You can opt to
receive email alerts to update you on the progress of your transactions, such as payment
of an export letter of credit.
Adapting to your requirements
You can create custom templates and a library of your most commonly used phases using
TradeFlow, so you don’t have to re-key information. You can control individual access
rights, including appropriate authority and approval levels for each individual.
Helping your business to trade
And TradeFlow can be more than just a tool. It can also be a useful resource for your
business. We have brought together a number of renowned trade support companies –
some at discounted rates (or even free) – in one easy-to-use page, just for TradeFlow
customers.
Supply Chain Solutions (MaxTrad)
MaxTrad, our market-leading global trade platform, enables you to streamline your
international trade activities and mitigate cross-border risk online.

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Streamlining through automation
As companies focus on improving working capital management and shift to open account
terms, MaxTrad can help reduce operational expenses and realise greater efficiencies by
removing non-core activities from back offices.
This multiple award-winning technology offers you, your buyers and your suppliers a
secure, single point of access to a full suite of web-based products, comprehensive
transaction tracking and associated data flow information. Moreover, MaxTrad provides
an integrated supply chain solution to all your trading partners through the central Supply
Chain Portal, whether they operate in a digital or paper-based environment.
MaxTrad provides many points of value including
• Secure, single point access to end-to-end financial supply chain solutions

• Digital platform with flexible and rapid deployment
• Valuable risk mitigation tools
• Full integration capabilities with customer back-office/ERP systems
• Global access to web-based real-time management information reporting
RBS Branch Banking

Consumer Banking
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Deposit
Whether to achieve a specific financial goal or to simply get the best returns on your
money, our Deposit Accounts are designed to meet your financial needs and help you
realize your aspirations!
Access Account
Access Account opens doors to a new checking account with swift turn-around times, ideal for traders and
businesses with considerable daily transactional needs.
Access Account provides you the option of earning profit with a tiered rate structure while ensuring the ease
of carrying out your day-to-day transactions.
You can open your Access Account with a minimum balance of PKR. 50,000 to enjoy the following exclusive
benefits:
• Annual Fee waiver on our Credit Cards for the first 3 years
• Extensive countrywide branch network of over 75 online branches
• Free instant funds transfer to any account maintained with The Royal Bank of Scotland Limited,
formerly ABN AMRO Bank (Pakistan) Limited (RBS)
• 24 hours account access to over thousand ATMs across the country
• 24 hours access to our Customer Interaction Center
• Free-of-Charge E-Statements allowing you access to your account information via e-mail
• Free of Charge SMS Banking facility
• Freedom to conduct free-of-charge over the counter cash deposits and withdrawals at all RBS
Branches
• Drop Box facility available at 98 convenient locations across the country
• A dedicated Account Officer will be your personal guide to a world of financial services and
privileges and provide you with constant assistance to secure a financially successful future for you
Our Access Account will help you manage your daily banking needs while making your money work for you.
For further details visit your nearest RBS Branch.
Anchor Account
Anchor Account promises to deliver the highest service quality standards along with the benefit of banking
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convenience and privilege of our Relationship Banking. Anchor Account - Providing you
financial security with higher returns
Anchor Account promises to deliver the highest service quality standards along with the benefit of
banking convenience and privilege of our Relationship Banking.
Anchor Account provides you the option of earning monthly returns on your balance. Profit is paid
on the minimum balance you maintain in a month.
A tiered rate structure allows you to earn higher returns on higher balances.
You can open your Anchor Account with a minimum balance of PKR. 50,000 to enjoy the
following exclusive benefits:
• Extensive countrywide Branch Network of over 75 online branches

• 24 hours account access to over a thousand ATMs across the country
• A dedicated Account Officer will be your personal guide to a world of financial services
and privileges and provide you with constant assistance to secure a financially successful
future for you
Anchor Account will help you manage your daily banking needs while making your money work
for you. For further details visit your nearest RBS Branch.
Classic Account
Classic Account is the ideal solution for individuals looking for maximum returns while maintaining their day
to day transactional needs. Your profits are calculated on a daily basis ensuring that you get the most out of
your deposits.
Classic Account is the ideal solution for individuals looking for maximum returns while maintaining their day
to day transactional needs. Your profits are calculated on a daily basis ensuring that you get the most out of
your deposits.
With a tiered structure, Classic Account provides you transacting freedom and you earn higher returns.
You can open your Classic Account with a minimum balance of PKR. 50,000 to enjoy the following exclusive
benefits:

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• Free instant funds transfers to any account maintained with The Royal Bank of Scotland Limted,
formerly ABN AMRO Bank Pakistan Limited.
• Freedom to conduct free of charge over the counter cash deposits and withdrawals at all RBS
branches
• Drop Box Facility available at 98 convenient locations across the country
privileges and provide you with constant assistance to secure a financially successful future for you
Classic Account will help you manage your daily banking needs while making your money work for you. For
further details visit your nearest RBS Branch.
Service Account
With a smart blend of ever increasing local proximity backed by strong global expertise, our Service Account
offers you convenience, flexibility and round the clock access to your funds.
With a smart blend of ever increasing local proximity backed by strong global expertise, our Service
Account offers you convenience, flexibility and round the clock access to your funds.
With an account opening requirement of PKR. 50,000, Service Account offers you a host of exclusive
benefits:
• Freedom to conduct free of charge over the counter cash deposits and withdrawals at all RBS
branches
• Free instant funds transfers to any Account maintained with The Royal Bank of Scotland Limited,
formerly ABN AMRO Bank Pakistan Limited.
privileges and provide you with constant assistance to secure a financially successful future for
you.
Service Account will help you manage your daily banking needs while making your money work for you. For
further details visit your nearest RBS Branch.

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Value Term Account

For those seeking great returns with great service, our Value Term Account has all the answers.
For those seeking great returns with great service, our Value Term Account has all the answers.
With a minimum balance requirement as low as PKR 100,000, your profits are calculated on a daily basis
ensuring maximum mileage on your investments.
Value Term Account offers the following exclusive benefits:
• Flexible tenure options ranging from 1 month, 3 months, 6 months, 1 year, 2 years, 3 years to 5 years
• Option for automatic renewals on profit rates prevailing at maturity
• Overdraft facility against Deposit
• Options to avail monthly, quarterly, half-yearly and annual profit payment frequency
• A dedicated Account Officer will be your personal guide to a world of financial services and privileges
and provide you with constant assistance to secure a financially successful future for you
Our Value Term Account will help you manage your daily banking needs while making your money work for you.
For further details visit your nearest RBS Branch.
To find out more about our Value Term Account Call our Customer Interaction Center at 111-06-06-06. For
Branch and ATM information visit our website at www.rbs.com.pk

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Loan Products
Our Loan Products extend financial flexibility to you without inconvenience or strain.
Our Loan products enable you to achieve easy liquidity. Choose from a diverse array of
products specially tailored to meet your needs.
Balance Transfer Facility (BTF)

We believe life should be spent enjoying in the rain - not saving up for it. Our BTF now lets you enjoy
yourself while we take care of all your rainy days. BTF is your personal line of credit, quick money when and
where you want it!
RBS introduces and welcomes you to the new and improved BTF, your One Stop Payment Shop that takes
care of all your financial needs for you. BTF is the most convenient, flexible, economical and easy-to-use
loan facility designed to suit your needs and give you the power to control your finances. It brings you a
variety of features that provide you the spending convenience you need.
Features
Personal line of credit limit between PKR 50,000 to PKR. 500,000*
Mark-up charged on utilized amount only
*Up to PKR. 2,000,000 for ex-Prime customers only. Conditions apply.
Benefits:
• Mark-up charged on utilized amount only
• Loans and Credit Card bill payments by enjoying a substantially lower mark-up on your outstanding
amounts
• 100% cash withdrawal at no extra cost
• Drop Box Facility
• Inter Bank Funds Transfer
• Discounts at merchant outlets nationwide
• 24 hours Customer Interaction Center
• No processing fee
• Utility bill payments including PTCL , SSGC , SNGPL , Mobilink , Paktel , and Ufone
• Free current account

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• Relationship Card
• Sign up for Monthly BTF E-statements
• Withdraw cash worldwide through 1-Link, MNET and CIRRUS networks by using your Relationship
Card
• Experience the convenience of SMS banking
Eligibility
• You are eligible for BTF if you are between the age of 21 and 60 years
• Have a valid credit card (VISA, MasterCard or American Express).
Documentation
Complete the application form and attach the following:
• Employment Certificate from HR/Personnel Department addressed to RBS (stating designation,

tenure of employment gross and net salary)
• Copy of last month’s Credit Card Statements.
For salaried individuals
• Employment Certificate from HR/Personnel Department addressed to RBS (stating designation,

tenure of employment gross and net salary)
For self-employed individuals/businessmen
• Copy of Certificate of Professional Association (for self-employed professionals only)
• Proof of business (Proprietorship Letter or Partnership Deed or Memorandum & Articles of

Association)
Home Finance
Your dream home is now within your reach. Our Home Finance Loans will help you fulfill your dreams. You
can be a Home Builder , Home Buyer , Home Lender , Home Pakistan or require Refinancing for your
home, we cater to all your financing needs to make your dream a reality. With our Home Finance facility,
your dream of owning a house turns into a reality. Now just think of decorating it.

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Home Finance offers you a bouquet of facilities, benefits and services that are par excellence. From facility
disbursal to maturity you can count on RBS to offer you a relationship of strength. Since your convenience is
our only focus, we pay meticulous attention to every detail. Your dream of a new house comes true with us
with maximum ease that is the RBS hallmark.
Personalized service
Fastest turn around time
Maximum loan amount of Rs. 50 Million
How do I qualify for the Home Finance?
• In order to be eligible for this loan, you must be a Pakistani, between 25-65 years of age and
residing in Karachi, Lahore, Islamabad or Rawalpindi. ( The borrower's age must not exceed 65
years at the time of maturity of the loan.)
• You must be in continuous employment, since two years or more, at the time of application.
• Alternatively, you must have evidence of 3 years or more of business or professional experience.
Pre-payment Penalty
Repay your principle early by paying three installments at once. You can choose to do this once every six
months for no extra charge.
(Three installments once every 6 months only. Penalties apply on all other accounts).
Free Accidental Death Insurance

Your Home Finance facility now comes with absolutely Free Accidental Death Insurance. Your peace of
mind is guaranteed knowing that your family will be protected in the event of unfortunate circumstances.
(Coverage applies only if the borrower dies as a result of an accident covered under insurance policy).
A Complete Banking Relationship

As a Home Finance customer, you are also entitled to various services of a complete banking relationship.

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Opt for our Home Finance facility for a host of privileges:
• Simply call our Customer Interaction Center at 111-06-06-06 and our Relationship Manager will get
in touch with you promptly
Home Finance Options

Choose the home finance option that best meets your needs and let RBS make your dream come true.
• Home Buyer
• Home Builder
• Home Lender
• Home Pakistan
• Home Refinance
• Home Deal
Smart Financial Options

You can also avail other services such as:
• BTF Account
• Credit Cards
• Lockers
Access to 1-link, M-Net and Cirrus ATMs.
Debit Card Functionality

Use your Relationship Card as a Debit Card, absolutely free! You can make instant payments at hundreds of
outlets across Pakistan directly away from your Current, Savings or BTF/Default Accounts
N’Cash

Finance
Pakistan
N'Cash empowers you with financing to fulfill your business needs. If that was not enough, now you can
avail all this and more in a way that best suits your business needs with not one, but two outstanding
modes of financing. FULFILLING YOUR NEEDS TO PERFECTION
With Running Finance Facility and a generous Business Installment Loan, N'Cash lends you a helping
hand towards success and growth with ease, peace of mind and convenience. In addition, you are
accommodated with assistance from Relationship Managers who are assigned to be by your side for
the life of the loan. We’ll give you the confidence that you’ll never be out of cash when you really need
it.
N’Cash empowers you with financing to fulfill your business needs. If that was not enough, now you
can avail all this and more in a way that best suits your business needs with not one, but two
outstanding modes of financing.
Loan Enhancement Facility
Choice between Running Finance or Installment Based financing
With Running Finance you can fulfill your working capital/cash flow needs and with the Business Loan
you can invest in project financing, capital investment, business expansion or balance transfer from a
running finance facility to a term loan.
N’Cash Possibilities
Running Finance
• Renewable hassle free credit line
• Mark-up only on the amount utilized
• Competitive mark-up
• Balance Transfer Facility (BTF),
Business Loan
• Monthly installment based financing
• Competitive mark-up
• Balance Transfer Facility (BTF), even from a Running Finance to a term loan transfer
N’Cash Benefits

Finance
Pakistan
No Partial Payment Penalty for Business Loans
Repay your principal early by paying three installments at once. You can choose to do this once every six
months for no extra charge.
A Complete Banking relationship

As an N’Cash customer, you are also entitled to the privileges of a complete banking relationship.
Non-Stop Banking
Our Current Account facility allows you the freedom to engage in banking no matter where you
are. Through our 24 hours, Customer Interaction Center, you can conduct transactions over the
phone.
Wheels
Find your wheels and get on the road. Getting the car of your dreams will now be possible with
absolute flexibility and simplicity. DESIRE IT. GET IT.
Find your wheels and get on the road. Getting the car of your dreams will now be possible with
absolute flexibility and simplicity.
RBS cherishes the relationship with its customers, You will be accommodated with assistance
from Relationship Managers who will facilitate you through the procedure until you find exactly
what you want.
Want to get the best out of life? We’ll help you enjoy in style.
A smart new way to own a car you have always wanted.
• No Hidden charges
• Affordable
• Equity Options
• Quick Turn around Time
• Pre-payment Option
What makes Wheels a better choice?
No Partial Prepayment Penalty

Finance
Pakistan
Repay your principal early by paying three installments at once. You can choose to do this
once every six months for no extra charge.
A Complete Banking relationship
As an RBS customer, you are also entitled to the privileges of a complete banking
relationship.
Non-Stop Banking
Our Current Account facility allows you the freedom to engage in banking no matter where
you are. Through our 24 hours, Customer Interaction Center, you can conduct transactions
over the phone
Loan Against Shares (LAS)
Loan Against Shares facility enables you to take a loan against the shares invested in
companies listed on the KSE-100 index and release the initial investment at its current
market value. Get more than just dividends - get the competitive edge with Loan Against
Shares.

Finance
Pakistan
RBS mc2 Credit Card
Perfect Features
The RBS mc2 Credit Card compliments your lifestyle, offers you absolute convenience and
unprecedented dependability. Click on the links below to explore a world of perfection.
Perfect Lifestyle
Relationship Privileges
Enjoy privileges of discounts and rewards from major brands of all sectors and industries! Click
to find out how our alliance partners make your Present Wonderful and Future Perfect!
Shop at any outlet that suits your mood and taste, withdraw cash from ATMs globally or simply
2
pay off the outstanding amount on any of your other credit cards using your RBS mc Credit
2
Card. All this and more is possible through the RBS mc Credit Card.
we present to you Pakistan’s first MC2 Card - stylishly different in shape.
Unique Shape
MC2 refers to the new shape of your card- the shape of new things to come!
Smart Chip, Smart Technology, Smart Card
The RBS MC2 Credit Card has a smart chip embedded in its surface, making it a safer way to
spend.

Finance
Pakistan
Multiple Credit Cards*
If you are already an RBS Credit Cardholder, you are also eligible to apply for the RBS MC2
Credit Card. Your overall credit limit will be shared amongst all your Credit Cards.
* Terms and Conditions apply
MasterCard - Global Reach and Acceptability
The RBS MC2 Credit Card carries the logo ensuring worldwide acceptability at more than
24 million establishments in over 210 countries including thousands of locations in Pakistan,
displaying the , and logo.
Cash Advance Facility*
The RBS MC2 Credit Card comes with a Cash Advance Facility
of up to 75%* of your credit limit so you will never be in a credit crunch for cash! Use any of
our ATMs displaying , and logo to avail this facility.
*Terms and Conditions apply
Installment Plan
The Installment Plan offers you convenience and flexibility! The features include:
0% mark-up on 6 to 18 month installment plans*
• Affordable mark-up rate of 1.5% per month
• Balance repayable in 6-60 months (multiples of 6)
• Balance transfer from other Credit Cards (minimum of PKR. 5,000)
• Dial a draft (Pay order of a minimum of PKR. 5000)
• Retail transactions of any type worth PKR. 5000 or more
*Applicable only on selective products communicated to you from time to time

Finance
Pakistan
Supplementary Cards
You can now empower your loved ones with the convenience of a Credit Card. RBS MC2 Credit
Card customers can have up to 5 Supplementary Cards for persons aged 18 and above.
How do I get my RBS MC2 Credit Card?
Step 1:
Complete application form for the RBS MC2 Credit Card
Step 2:
Attach the following documents:
1. Copy of your CNIC.

2. Copy of your last two months’ Credit Card statement or copies of your duly attested last 6 months
bank statements (where applicable)
3. Any other documents that may be required
Step 3:
Drop off the form to any of our branches or hand them over to your Personal Banking Consultant.

Finance
Pakistan
RBS Ufone Co-brand
The Royal Bank of Scotland Limited launched its first co-brand Credit Card with Ufone, one of
the leading telecommunication companies in Pakistan. Now, not only can you enjoy special
packages with Ufone, but the more you talk, the more you can earn on your RBS Ufone Credit
Card.
Now your Credit Card speaks to U!
We introduce our first co-brand Credit Card with Ufone – one of the leading telecommunication
companies in Pakistan. Now, not only can you enjoy special packages with Ufone, but the more
you talk, the more you earn on your RBS Ufone Credit Card.
Free Ufone SIMs delivered with your RBS Ufone Credit Card
Up to 4 free Ufone SIMs will be delivered at your doorstep along with your RBS Ufone Credit
Card as per the following criteria:
Standard Card: 2 prepay SIMs (convert 1 of these to postpay)
Gold Card: 4 prepay SIMs (convert 2 of these to postpay)

Finance
Pakistan
Free Line Rent up to 12 months
As an RBS Ufone Credit Cardholder you can opt for any of the three amazing advance line rent discount
options on your postpay connection:
Packages Postpay Ease Postpay Value Postpay Extra

offered
RBS Regular RBS Regular RBS Regular
Package Package Package
Ufone Ufone Ufone
Advance 3+1,6+3, 0 3+1,6+3, 0 3+1,6+3, 0
Line Rent 12+12 12+12 12+12
Discount
Offer
(months)
Free GPRS 5MB 0 10MB 0 15MB 0
Free FnF 15 5 20 10 25 15
Also Avail
• Up to 250 free SMS
• Unbelievably low line rents
• Free minutes that allow you to talk for hours
• Call rates unlike any other mobile network
No Security Deposit
Your Ufone postpay connection through the RBS Ufone Credit Card means you do not need to provide a
security deposit.
3% Cash Back

Finance
Pakistan
You will get 3% credited on your Ufone postpay account based on your postpay monthly billing. Simply
contact the Ufone Call Centre by dialling 333 from your Ufone connection or 111-333-100 from a landline
number.
Accelerated Reward Points
1. Earn 4 Reward Points on your RBS Ufone Credit Card for

every PKR. 50 of your Ufone postpay bill paid through the monthly Direct Debit.
2. For every PKR. 50 you spend on retail transactions, earn 1
Reward Point on your RBS Ufone Credit Card.
Free Airtime in exchange for Reward Points
Get rewarded every step of the way! Transfer Reward Points from your RBS Ufone Credit Card
to your Ufone postpay connection by simply calling our Customer Interaction Centre at 111-06-
06-06.
Ufone Equivalent Airtime

Reward Points (PKR)
1,000 600
1,500 900
2,000 1,200
Ufone Direct Debit Facility
Ufone Direct Debit Facility
Enjoy the convenience of paying your Ufone postpay connection billing via the RBS Ufone
Credit Card. Now pay only one bill instead of two and earn 4 Reward Points!
Benefits for existing Ufone Customers

Finance
Pakistan
You can use your RBS Ufone Credit Card to take advantage of the Ufone postpay Packages on
your existing Ufone SIM (prepay or postpay). Simply visit any Ufone Service Centre and convert
your existing package into a Ufone postpay package.
Multiple Credit Cards*
If you are already an RBS Credit Cardholder, you are also eligible to apply for the RBS Ufone
Credit Card. Your overall credit limit will be shared amongst all your Credit Cards.
* Terms and Conditions apply
MasterCard - Global Reach and Acceptability
The RBS Ufone Credit Card carries the logo ensuring worldwide acceptability at more
than 24 million establishments in over 210 countries and including thousands of locations in
Pakistan displaying the , and logo
Cash Advance Facility*
The RBS Ufone Credit Card comes with a Cash Advance Facility of up to 75%* of your credit
limit so you will never be in a credit crunch for cash! Use any of our ATMs displaying the •, •
and • logo to avail this facility.
*Terms and Conditions apply.
Installment Plan
The Installment Plan offers you convenience and flexibility! The features include:
• 0% mark-up on 6 to 18 month installment plans*
• Affordable mark-up rate of 1.5% per month
• Balance repayable in 6-60 months (multiples of 6)
• Balance transfer from other Credit Cards (minimum of PKR. 5,000)
• Dial-a-draft (Pay order of a minimum of PKR. 5000)
• Retail transactions of any type worth PKR. 5000 or more

Finance
Pakistan
*Applicable only on selective products communicated to you from time to time
Supplementary Cards
You can now empower your loved ones with the convenience of a Credit Card. RBS Ufone Credit Card
customers can have up to 5 Supplementary Cards for persons aged 18 and above.
How do I get my RBS Ufone Credit Card?
Step 1:
Complete application forms for the RBS Ufone Credit Card and Ufone connections
Step 2:
Attach the following documents:
1. Copy of your CNIC.

2. Copy of your last two month’s Credit Card statement or copies of your duly attested last 6 months
bank statements (where applicable)
3. Any other documents that may be required
Step 3:
Drop off the forms to any of our branches or hand them over to your Personal Banking Consultant

Finance
Pakistan
RBS Airblue MasterCard
The Credit Card for high flyers!!!
Apply: Spend: Earn: Reward –

Free
Tickets!
Fuel 1 BlueMile for Manchester
Groceries every Rs. 50 you Karachi
Restaurants spend anywhere Faisalabad
Entertainmen Dubai
t 1 BlueMiles for Lahore
Utilities every mile Peshawar
..and traveled on Abu Dhabi
anywhere airblue Islamabad
else Muscat
Also earn 1,000 Quetta
bonus BlueMiles
on Frequent
Flyer Account
creation
FREE Tickets
Redeem your BlueMiles for FREE Tickets based on the following structure
FREE Ticket One Way Return Ticket

(BlueMiles) (BlueMiles)
Domestic - All 6,000 12,000
Destinations
International - Dubai, 8,000 16,000
Abu Dhabi, Muscat,
Internaional - Manchester 23,000 46,000

Finance
Pakistan
Convenient BlueMiles Account Management
• A Credit Card and a Frequent Flyer Card all in one, as the Frequent Flyer number will
be embossed on your RBS airblue MasterCard
• Manage your Frequent Flyer BlueMiles account online simply by visting
www.airblue.com or call airblue at 111-AIR-BLU (111-247-258)
Privileges Description StandardCardho Gold

lder Cardhold
er
Priority Baggage will get √ √
Baggage “Priority Tagged” on
Handling request ensuring your
baggage arrives first on
the conveyor belt
Legroom Cardholders will get √ √
Preference preference for legroom
seats (on request and
availability)
Priority Cardholders will be √ √
Boarding requested to board the
plane first
FREE Just show your Credit χ √
Domestic Card at the check-in
Blue Lounge counter and receive a
Access free entry pass into the
Blue Lounge
FREE Just show your Credit √ √
International Card at the check-in
Blue Lounge counter and receive a
Access free entry pass into the
Blue Lounge
Priority Economy class travelers χ √
Check-in can also avail priority
check-in in Karachi,
Lahore, Peshawar and
Faisalabad Airports

Finance

Banking Final

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Banking Final

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Royal Bank Of Scotland 1

“Bank is a pipeline through which currency moves into and out

Bank accepts deposits and repays cash to its customers on their

Word Bank is said to be derived from the words Banc us or Banque or

The FIRST STAGE in the development of modern banking, thus, was

© Adnan Rasheed Hailey College of Banking &

These receipts began to pass from hand to hand in settlement of

The SECOND STAGE in development of banking thus was the issue of

The THIRD STAGE, in the development of banking by experience the

The FOURTH STAGE, in development of banking. When every bank

© Adnan Rasheed Hailey College of Banking &

At the time of partition total number of Banks was 38 only. Out of

Commercial Banks have constituted the most important [part of the

At the time of independence Bank services was badly affected. But

Now slogan of the Banks is to serve their customers in the

© Adnan Rasheed Hailey College of Banking &

Central Bank Commercial Banks

© Adnan Rasheed Hailey College of Banking &

Following privatization, RBS emerged as new identity of Bank ABN

Designing the product portfolio of bank response to the customer’s

To make their banking solutions become accessible to more and more

© Adnan Rasheed Hailey College of Banking &

COMMERCIAL BANKING SCENARIO IN PAKISTAN

At the time of independence in 1947, there were 38 scheduled banks

The government approved & permitted the establishment of 10 new

© Adnan Rasheed Hailey College of Banking &

© Adnan Rasheed Hailey College of Banking &

Assessment of the needs and wants of customer is an on going process

With their key indicators of progress a steady soaring to new heights,

© Adnan Rasheed Hailey College of Banking &

Mr. Shahid Husain

Mr. Asif Ali Sheikh

Mr. Aon Abbas

Mr. Ali Akbar

OPERATION FOREIGN CREDIT

© Adnan Rasheed Hailey College of Banking &

Our vision is to be a leading financial institution, with a niche in areas

© Adnan Rasheed Hailey College of Banking &

Our mission is to maintain a competitive edge in quality banking,

© Adnan Rasheed Hailey College of Banking &

Appointed to the Board as Deputy Chairman on 19 January 2009, and to the

Group Chief Executive

© Adnan Rasheed Hailey College of Banking &

Deputy Chief Executive

Gordon Pell (59)

Group Finance Director

Guy Whittaker (52)

© Adnan Rasheed Hailey College of Banking &

Colin Buchan* (54)

Archie Hunter* (65)

Appointed to the Board in September 2004, Archie Hunter is a chartered

Joe MacHale* (57)

Appointed to the Board in September 2004, Joe MacHale is currently a non-

John McFarlane* (61)

Appointed to the Board on 1 October 2008, John McFarlane is former chief

© Adnan Rasheed Hailey College of Banking &

Arthur (Art) Ryan* (66)

Group General Counsel and Group Secretary

Miller McLean (59)

Miller McLean was appointed Group Secretary in August 1994. He is a trustee of

© Adnan Rasheed Hailey College of Banking &

© Adnan Rasheed Hailey College of Banking &

BANK RBS’s SLOGAN