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About the Royal Bank of Scotland Group

The RBS Group is a large international banking and financial

services company. From its headquarters in Edinburgh, the Group
serves over 30 million customers in the United Kingdom, Europe,
the Middle East, the Americas and Asia. Our brands operate around
the globe to provide banking services for individuals, businesses and
institutions. We are working hard to make RBS one of the world’s
most admired, valuable and stable universal banks.

The Group provides a comprehensive range of financial services to

retail, corporate, and financial institutions. Markets and International
Banking, the investment banking arm of the Group, offers a broad
range of services enabling major corporations and institutions to
achieve their global financing, transactions services and risk
management objectives.
About RBS India
We have been in India since 1921. With our in-depth local market
knowledge coupled with our global network, we meet our clients’
needs by bringing together capabilities including debt capital
markets, international transaction services, FX and rates as well as
providing balance sheet advisory and structuring.
Our clients comprise blue-chip Indian corporations, leading
multinational corporations, large financial institutions, the Indian
Government and high net-worth Individuals.
Using our global reach and drawing on the expertise of our local
teams of professionals, we have led many of the biggest and most
innovative landmark transactions in India for our corporate and
institutional clients.
Markets and International Banking
In Markets and International Banking, we maintain a leading
position across international debt financing, transaction services and
risk management. We focus on our strengths in fixed income,
foreign exchange, risk management and transaction banking to offer
relevant solutions that enable our clients. RBS is the fourth largest
foreign transaction bank in India, supporting a multinational client
base through solutions which leverage state-of-the-art technology,
global product expertise and global network. We focus on long-term
client relationships and excellence in product execution underpinned
by global insight, local knowledge and a prudent and sustainable
banking model to meet the evolving market and regulatory backdrop.
Committed to serving clients' needs internationally, M&IB has on-
the-ground operations in 37 countries globally and 10 markets across
Asia Pacific.
Private Banking
Private Banking is part of the RBS Group’s Wealth Division, or
Coutts – a private bank and wealth manager that first opened its
doors for business in London in 1692. In India the business serves
the needs of the influential and wealthy, hence helping our clients
understand and resolve complex challenges with experienced
specialists and a comprehensive suite of bespoke products and
services. Our wealth managers listen to our clients understand their
individual context and requirements and help them achieve their
goals, through our suite of banking, investment, credit, and enhanced
referral services like wealth planning services and real estate services
offered through our non-banking arm - RBS Financial Services. RBS
Private Banking India has four offices in Mumbai, New Delhi,
Bengaluru and Chennai, providing clients with a complete and
seamless wealth management solution covering virtually every
aspect of their financial needs.
Retail Banking and Wealth Management Services
RBS offers a Retail Banking and Wealth Management proposition
through its branches located in ten cities, namely Bengaluru,
Chennai, Gurgaon, Hyderabad, Kolkata, Mumbai, New Delhi,
Noida, Pune and Vadodara. These ten locations form the core of a
revised and predominantly deposit-led Retail Banking and Wealth
Management proposition for the RBS Group in India fully
supporting RBS Group’s wider continuing business proposition.
Retail Banking business continues to offer products and services that
make banking convenient and easy. The business is building
capabilities to deliver transactional convenience through a state-of-
the-art Internet Banking platform by adopting innovative and
technology intensive features such as Online Wealth, Mobile
Banking and E-Commerce (e.g. online bill payments, retail
purchases through NetBanking and Debit Cards) to name a few. This
will enable the business to provide a seamless and convenient
banking experience to customers.
Our Microfinance program, the largest amongst its peer foreign
banks in India, is aimed at delivering credit to our target community
of impoverished rural woman through intermediaries called
microfinance institutions.

Financial products and services offered by Banks

 Transactional accounts
o Checking accounts (American English)
o Current accounts (British English)
 Savings accounts
 Debit cards
 ATM cards
 Credit cards
 Traveller’s cheques
 Mortgages
 Home equity loans
 Personal loans
 Certificates of deposit/Term deposits