Card Issuer Profile: RBS

RBS is one of the oldest banks in the UK. Since its acquisition of NatWest in 2000, it has embarked on a program of international expansion and, outside of the UK, now operates in the US, Europe and Asia Pacific. This profile focuses primarily on RBS's card operations, providing an overview of its current market positioning and outlook for the future.



Report Highlights

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Table 1: RBS board of directors and executive committee details, 2008 6
Table 2: RBS group global employees by function, 2002-06 7
Table 3: Timeline of RBS's major market entry and expansion activities, 2000-07 11
Table 4: Retail markets and Citizens were the second and fourth largest contributors to the group's profit, respectively, in 2007 18
Table 5: A selection of RBS credit card offering in the UK, 2008 21
Table 6: A selection of RBS credit card offering in the US, 2008 23
Table 7: Scorecard logic, part one 32
Table 8: Scorecard logic, part two 33
Table 9: RBS debit cards in issue by geography, 2006 35
Table 10: RBS credit cards in issue by geography, 2006 35
Table 11: RBS credit card balances outstanding by geography, 2006 36
Table 12: The revenues, costs and net profits of the RBS group, 2003-07 36
Table 13: RBS balance sheet, 2002-06 37
Table 14: Current relevant Datamonitor publications, 2008 38
Table 15: Future relevant Datamonitor publications, 2008 38


Figure 1: RBS's credit card operations are concentrated in the following countries around the globe, 2008 10
Figure 2: The UK is the largest market, with 78.1% of RBS's total issued debit cards in 2006, 2002-06 14
Figure 3: RBS had 14.5 million credit cards in issue in 2006, 2002-06 15
Figure 4: The value of balances outstanding was €17.6 billion in 2006, 2002-06 16
Figure 5: RBS has demonstrated strong financial performance during 2003-07 17
Figure 6: RBS has a large balance sheet, 2003-07 19
Figure 7: RBS's competitor benchmark 31

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