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Royal Bank of Scotland


The Royal Bank of Scotland LSE: RBSis one of Scotland's four national clearing banks and one of the oldest in the UK, founded in Edinburgh in 1727 by Royal Charter.

Today it is the largest bank in Scotland, the second largest in the UK and Europe, and the fifth largest in the world by market capitalisation. Its shares have a primary listing on the London Stock Exchange.

The bank's head office is in St Andrew's Square, Edinburgh. It has offices throughout Europe, America and Asia.

History of the Royal Bank of Scotland

  • 1727- founded in Edinburgh by Royal Charter
  • 1783- first branch in Glasgow opens
  • 1874- first London branch opens
  • 1920- acquisition of various small English banks to form Williams Deacons Bank,later combined with Glyn Mills & Co. to form Williams and Glyn's Bank
  • 1972- merger with National Commercial Bank of Scotland
  • 1980- abortive hostile takeover bid by Hong Kong and Shanghai Banking Corporation fails
  • 1985- established the Direct Line insurance brand
  • 1985- Williams and Glyn's bank name merged with the Royal Bank of Scotland
  • 1988- acquisition of Citizens Financial Group of Rhode Island
  • 1997- Registrars department acquired by Australian share registry company Computershare
  • 1997- develops internet banking
  • 2000- acquisition of the National Westminster Bank after hostile takeover battle with the Bank of Scotland

Constituents of the Royal Bank of Scotland Group

  • Royal Bank of Scotland- Scottish clearing bank, head office in Edinburgh
  • NatWest - UK clearing bank, head office in London
  • Adam and Company - UK private bank
  • Citizens Financial Group - U.S. bank group based in New England
  • Direct Line - telephone financial services company
  • Ulster Bank - Belfast-based bank with branches throughout Ireland
  • Coutts - UK private bank based in London
  • WorldPay - specialised in Internet Business

Other facts

£100 banknotes of the Royal Bank of Scotland
  • The Royal Bank of Scotland, along with Clydesdale Bank and Bank of Scotland, still prints its own banknotes for Scotland
  • It is the only UK bank that still prints a 1 pound note
  • It was the first bank in the world to offer an overdraft facility
  • In June 1997, The Royal Bank of Scotland became the first high street bank in the UK to introduce an Internet banking service.
  • The bank's annual gross profit exceeds the annual budget of the Scottish Government

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. Additionally their are other companies which are part of the group in similar financial areas, such as:. It has offices throughout Europe, America and Asia.
. The bank's head office is in St Andrew's Square, Edinburgh. Permanent TSB is a member of the Laser payment system. Its shares have a primary listing on the London Stock Exchange. The banking arm of Irish Life and Permanent now trade under the name Permanent TSB.

Today it is the largest bank in Scotland, the second largest in the UK and Europe, and the fifth largest in the world by market capitalisation. It was purchased by Irish Life and Permanent from the Government of Ireland in 2001.
The Royal Bank of Scotland LSE: RBSis one of Scotland's four national clearing banks and one of the oldest in the UK, founded in Edinburgh in 1727 by Royal Charter. The Bank, which was an unincorporated statutory entity, was governed by the Trustee Savings Bank Act 1989. The bank's annual gross profit exceeds the annual budget of the Scottish Government. Legislation in 1965 ultimately allowed them to successfully broaden their product range into such areas as personal lending, mortgages, current accounts, credit cards and foreign exchange. In June 1997, The Royal Bank of Scotland became the first high street bank in the UK to introduce an Internet banking service. For much of its existence, the Savings Banks operated under the Savings Bank Act 1863, which effectively restricted them to offering savings products.

It was the first bank in the world to offer an overdraft facility. In 1988, Waterford was incorporated into the Dublin bank and finally, in 1992, Cork and Limerick Savings Bank amalgamated with Trustee Savings Bank Dublin, to form TSB Bank. It is the only UK bank that still prints a 1 pound note. The Dublin and Monaghan banks merged in 1977, followed by the amalgamation of the Cork and Limerick banks in 1986. The Royal Bank of Scotland, along with Clydesdale Bank and Bank of Scotland, still prints its own banknotes for Scotland. Shortly afterwards, Savings Banks were established in Cork, Dublin, Monaghan and Limerick. WorldPay - specialised in Internet Business. The origins of the TSB Bank date back to 1816 when the first Irish Savings Bank was established in Waterford.

Coutts - UK private bank based in London. It demutualised to form a plc on 21 September 1994.
Irish Permanent was a predominately personal banking and mortgage company which currently does business in the name of Permanent TSB because of the 2001 Trustee Savings Bank acquisition from the Government of Ireland. Ulster Bank - Belfast-based bank with branches throughout Ireland. It was a mutual organisations, jointly owned by those saving and borrowing. Direct Line - telephone financial services company. Hence the name: Irish Permanent Building Society.
In 1940 Its name was changed to Irish Permanent Building Society.
In 1992 Irish Permanent Finance, specialising in auto finance, was established.
In 1992 Branch operations were opened in London and Belfast.
In 1992 A Banking subsidiary established in the Isle of Man.
In 1994 The Irish private banking operation of Guinness & Mahon was acquired.
In 1996 Capital Home Loans a UK mortgage lender was acquired. bank group based in New England. Permanent Building societies had a rolling membership.

Citizens Financial Group - U.S. Their membership was closed and they wound up when all members had a house. Adam and Company - UK private bank. Initially they were terminating societies. NatWest - UK clearing bank, head office in London. Building societies existed to help their members build their own home. Royal Bank of Scotland- Scottish clearing bank, head office in Edinburgh. The Irish Permanent Building Society was founded as The Irish Temperance Permanent Benefit Building Society which was founded in 1884.

2000- acquisition of the National Westminster Bank after hostile takeover battle with the Bank of Scotland. In July 1991 these shares were released on the market. 1997- develops internet banking. New Ireland Assurance, along with Lifetime are now owned by the Bank of Ireland.
In 1939 the minister owned 18% of the shares in the company.
In 1947, restructuring and purchase by Minister of Finance of shares held by British life assurance companies resulting in a government holding of 90.25%. 1997- Registrars department acquired by Australian share registry company Computershare. It's rival New Ireland Assurance was created by the government. 1988- acquisition of Citizens Financial Group of Rhode Island. Contary to popular opinion, Irish Life Assurance was never a Semi-State company.

1985- Williams and Glyn's bank name merged with the Royal Bank of Scotland. Even though the government had to assist Allied Irish Banks following the debacle of Insurance Corporation of Ireland, they established another life assurance company, called 'Ark Life'. 1985- established the Direct Line insurance brand. When Irish Life Assurance and the Irish Permanent Building Society merged, the operations of Progressive Life were joined with those of Irish Life Assurance. 1980- abortive hostile takeover bid by Hong Kong and Shanghai Banking Corporation fails. They renamed it Progressive Life. 1972- merger with National Commercial Bank of Scotland. The Government of Ireland wrote off the debts of Insurance Corporation of Ireland.
The Irish Permanent Building Society acquired the life assurance arm (which was effectively the Prudential's second venture into Ireland from the government-appointed administrator.

1920- acquisition of various small English banks to form Williams Deacons Bank,later combined with Glyn Mills & Co. to form Williams and Glyn's Bank. Shortly afterwads it became insolvent. 1874- first London branch opens. Allied Irish Banks took over Insurance Corporation of Ireland. 1783- first branch in Glasgow opens. Then sold their second Irish operation to the Insurance Corporation of Ireland. 1727- founded in Edinburgh by Royal Charter. The Prudential re-entered the Irish market, under its own name.

This 'closed book' was sold to Chesnara for for £47.5 million on May 5, 2005. Irish Life and The City of Westminster Assurance closed for new business, in the UK in 1996. Later it acquired The City of Westminster Assurance. Initially under its own name.

market and competed against its former parent. In 1965 Irish Life entered the U.K. The 1939 company followed the procedures of the Prudential, its largest component. The shares were sold in July 1991.

However, other events in 1939, made shares in a life assurance company less attractive. The intention was to form a new company and then release its shares back on the market. They were:. Later some British companies shed their Irish operations, and merged them into this new company.

(The Munster and Leinster Assurance Company had a banking arm which was later merged into Allied Irish Banks). were amalgated. By 1936, as a result of the Great Depression, many life assurance companies were technically insolvent. Irish Life was a life assurance company created in 1939 with state assistance and concentrated on life assurance and investment products.

. The Group has over one million customers in Ireland. It trades under the names. It owns Capital Home Loans in the UK.

It holds a minority interest in Allianz(Ireland), the third largest general (non-life) insurer in the Irish market. The Irish Life and Permanent (ISE: ILB) LSE: IPM group is a leading provider of personal financial services in the Republic of Ireland.
The company is historically derived from three different companies:. List of Irish companies. IPSI who provide third-party administration of life assurance operations, mainly for Italian companies.

ILIM who manage investments. ILI Irish Life International [1] established in the IFSC in 1994. the Refuge. the Pearl, and.

the Brittanic,. the Prudential,. the Munster and Leinster Assurance Company, Limited. the Irish National Assurance Company, Limited; and.

the Irish Life and General Assurance Company, Limited;. The City of Dublin Assurance Company, Limited;. Permanent TSB for banking, mortgages, loans, credit and debit cards. Irish Life for life assurance, investments and pensions.

Trustee Savings Bank. Irish Permanent Building Society. Irish Life Assurance.

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