Royal Bank of Scotland Group

Royal Bank of Scotland Group's npls (as % of loans) fell 2.62% to 2.26% in 3Q2019

By Helgi Analytics - November 05, 2019

Royal Bank of Scotland Group's non-performing loans reached 2.26% of total loans at the end of 2019-09-30, down from 2.69% compar...

Royal Bank of Scotland Group's market capitalisation (end of period) fell 8.28% to USD 30,884 mil in 3Q2019

By Helgi Analytics - November 05, 2019

Royal Bank of Scotland Group stock traded at 2.07 per share at the end of third quarter of 2019 implying a market capitalization of U...

Royal Bank of Scotland Group's net profit fell 115% to GBP -210 mil in 3Q2019

By Helgi Analytics - November 05, 2019

Royal Bank of Scotland Group made a net profit of GBP -210 mil under revenues of GBP 3,077 mil in the third quarter of 2019, down 138...

Profit Statement 2016 2017 2018
Net Interest Income GBP mil 8,779 9,213 8,690
Fee Income (As % Of Revenues) % 19.0 18.2 16.5
Other Income GBP mil 2,061 1,848 3,276
Total Revenues GBP mil 13,375 13,516 14,323
Operating Profit GBP mil 5,392 5,788 7,001
Provisions GBP mil 478 493 398
Net Profit GBP mil -5,258 1,380 2,092
Balance Sheet 2016 2017 2018
Interbank Loans GBP mil 59,065 56,986 47,596
Customer Loans GBP mil 323,023 323,184 305,089
Debt Securities GBP mil 79,846 81,900 102,883
Total Assets GBP mil 798,656 738,056 694,235
Shareholders' Equity GBP mil 49,404 49,093 46,490
Interbank Borrowing GBP mil 94,418 77,900 95,647
Customer Deposits GBP mil 353,872 367,034 360,914
Issued Debt Securities GBP mil 39,975 74,652 13,601
Ratios 2016 2017 2018
ROE % -10.2 2.80 4.38
ROA % -0.652 0.180 0.292
Costs (As % Of Assets) % 0.989 1.01 1.02
Costs (As % Of Income) % 59.7 57.2 51.1
Capital Adequacy Ratio % 22.9 21.3 21.8
Net Interest Margin % 1.09 1.20 1.21
Loans (As % Of Deposits) % 91.3 88.1 84.5
NPLs (As % Of Loans) % 3.15 2.72 2.50
Provisions (As % Of NPLs) % 43.2 42.8 43.6
Valuation 2016 2017 2018
Market Capitalisation (End Of Period) USD mil 32,560 44,881 33,125
Share Price (End Of Period) 2.25 2.78 2.16
Price/Earnings (P/E) ... 24.1 12.5
Price/Book Value (P/BV) 0.536 0.677 0.561
Dividend Yield % 0 0 6.00
Earnings Per Share (EPS) -0.448 0.116 0.173
Book Value Per Share 4.21 4.11 3.85
Dividend Per Share 0 0 0.130

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summary Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                                              
Net Interest Income GBP mil                                                 12,607 9,821 9,288 8,763 8,779    
Total Revenues GBP mil                                                 22,680 17,519 15,696 13,683 13,375    
Operating Profit GBP mil                                                 4,759 5,300 5,708 5,533 5,392    
Net Profit GBP mil                                                 -5,754 -8,597 -2,771 -1,594 -5,258    
balance sheet                                                              
Interbank Loans GBP mil                                                 133,998 103,968 87,722 58,204 59,065    
Customer Loans GBP mil                                                 430,088 390,825 334,251 306,334 323,023    
Debt Securities GBP mil                                                 172,670 122,410 92,284 88,489 79,846    
Total Assets GBP mil                                                 1,312,300 1,027,880 1,051,020 815,408 798,656    
Shareholders' Equity GBP mil                                                 70,448 59,215 58,709 54,147 49,404    
Interbank Borrowing GBP mil                                                 217,036 148,485 121,045 95,773 94,418    
Customer Deposits GBP mil                                                 433,239 414,396 354,288 343,186 353,872    
Issued Debt Securities GBP mil                                                 121,365 91,831 73,185 41,441 39,975    
ratios                                                              
ROE %                                                 -7.86 -13.3 -4.70 -2.82 -10.2    
ROA %                                                 -0.408 -0.735 -0.267 -0.171 -0.652    
Costs (As % Of Assets) %                                                 1.27 1.04 0.961 0.873 0.989    
Costs (As % Of Income) %                                                 79.0 69.7 63.6 59.6 59.7    
Capital Adequacy Ratio %                                                 14.5 16.5 17.1 24.7 22.9    
Net Interest Margin %                                                 0.894 0.839 0.894 0.939 1.09    
Interest Income (As % Of Revenues) %                                                 55.6 56.1 59.2 64.0 65.6    
Fee Income (As % Of Revenues) %                                                 21.5 21.4 22.5 21.4 19.0    
Equity (As % Of Assets) %                                                 5.37 5.76 5.59 6.64 6.19    
Loans (As % Of Deposits) %                                                 99.3 94.3 94.3 89.3 91.3    
Loans (As % Assets) %                                                 32.8 38.0 31.8 37.6 40.4    
NPLs (As % Of Loans) %                                                 9.11 9.47 7.64 3.87 3.15    
Provisions (As % Of NPLs) %                                                 51.4 63.9 64.9 58.6 43.2    
valuation                                                              
Market Capitalisation (End Of Period) USD mil                                                 59,334 62,713 69,796 51,908 32,560    
Number Of Shares (Average) mil                                                 11,002 11,311 11,447 11,576 11,743    
Share Price (End Of Period)                                                 3.32 3.35 3.91 3.03 2.25    
Earnings Per Share (EPS)                                                 -0.523 -0.760 -0.242 -0.138 -0.448    
Book Value Per Share                                                 6.40 5.24 5.13 4.68 4.21    
Dividend Per Share                                                 0 0 0 0 0    
Price/Earnings (P/E)                                         ... ... ... ... ... ... ... ... ...    
Price/Book Value (P/BV)                                                 0.518 0.639 0.763 0.647 0.536    
Dividend Yield %                                                 0 0 0 0 0    
Earnings Per Share Growth % ...                                               183 45.3 -68.2 -43.1 225    
Book Value Per Share Growth % ...                                               -8.89 -18.2 -2.03 -8.80 -10.1    
income statement Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                                              
Interest Income GBP mil                                                 19,735 15,292 13,109 11,921 11,329    
Interest Cost GBP mil                                                 7,128 5,471 3,821 3,158 2,550    
Net Interest Income GBP mil                                                 12,607 9,821 9,288 8,763 8,779    
Net Fee Income GBP mil                                                 4,875 3,755 3,539 2,933 2,535    
Other Income GBP mil                                                 5,198 3,943 2,869 1,987 2,061    
Total Revenues GBP mil                                                 22,680 17,519 15,696 13,683 13,375    
Operating Cost GBP mil                                                 17,921 12,219 9,988 8,150 7,983    
Operating Profit GBP mil                                                 4,759 5,300 5,708 5,533 5,392    
Provisions GBP mil                                                 5,279 8,120 -1,352 -727 478    
Extra and Other Cost GBP mil                                                 4,757 6,029 4,417 8,963 8,996    
Pre-Tax Profit GBP mil                                                 -5,277 -8,849 2,643 -2,703 -4,082    
Tax GBP mil                                                 441 186 1,909 23.0 1,166    
Minorities GBP mil                                                 -136 120 60.0 409 10.0    
Net Profit GBP mil                                                 -5,754 -8,597 -2,771 -1,594 -5,258    
Dividends GBP mil                                                 0 0 0 0 0    
growth rates                                                              
Net Interest Income Growth % ...                                               -4.39 -22.1 -5.43 -5.65 0.183    
Net Fee Income Growth % ...                                               -10.0 -23.0 -5.75 -17.1 -13.6    
Total Revenue Growth % ...                                               -3.03 -22.8 -10.4 -12.8 -2.25    
Operating Cost Growth % ...                                               5.08 -31.8 -18.3 -18.4 -2.05    
Operating Profit Growth % ...                                               -24.9 11.4 7.70 -3.07 -2.55    
Pre-Tax Profit Growth % ...                                               343 67.7 -130 -202 51.0    
Net Profit Growth % ...                                               188 49.4 -67.8 -42.5 230    
market share                                                              
Market Share in Revenues %     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Net Profit %     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Employees %     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
balance sheet Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                                                              
Cash GBP mil                                                 79,290 82,659 74,872 79,404 74,250    
Interbank Loans GBP mil                                                 133,998 103,968 87,722 58,204 59,065    
Customer Loans GBP mil                                                 430,088 390,825 334,251 306,334 323,023    
Debt Securities GBP mil                                                 172,670 122,410 92,284 88,489 79,846    
Fixed Assets GBP mil                                                 23,329 20,277 13,948 10,104 9,975    
Total Assets GBP mil                                                 1,312,300 1,027,880 1,051,020 815,408 798,656    
Shareholders' Equity GBP mil                                                 70,448 59,215 58,709 54,147 49,404    
Of Which Minority Interest GBP mil                                                 1,770 473 2,946 716 795    
Liabilities GBP mil                                                 1,241,850 968,663 992,310 761,261 749,252    
Interbank Borrowing GBP mil                                                 217,036 148,485 121,045 95,773 94,418    
Customer Deposits GBP mil                                                 433,239 414,396 354,288 343,186 353,872    
Issued Debt Securities GBP mil                                                 121,365 91,831 73,185 41,441 39,975    
Other Liabilities GBP mil                                                 470,207 313,951 443,792 280,861 260,987    
asset quality                                                              
Non-Performing Loans GBP mil                                                 41,127 39,392 26,884 12,137 10,310    
Gross Loans GBP mil                                                 451,224 415,978 351,711 313,452 327,478    
Provisions GBP mil                                                 5,279 8,120 -1,352 -727 478    
growth rates                                                              
Customer Loan Growth % ...                                               -5.29 -9.13 -14.5 -8.35 5.45    
Total Asset Growth % ...                                               -12.9 -21.7 2.25 -22.4 -2.05    
Shareholders' Equity Growth % ...                                               -7.37 -15.9 -0.855 -7.77 -8.76    
Customer Deposit Growth % ...                                               4.61 -4.35 -14.5 -3.13 3.11    
market share                                                              
Market Share in Customer Loans %     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Total Assets %     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Customer Deposits %     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
ratios Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                                                              
ROE %                                                 -7.86 -13.3 -4.70 -2.82 -10.2    
ROA %                                                 -0.408 -0.735 -0.267 -0.171 -0.652    
Costs (As % Of Assets) %                                                 1.27 1.04 0.961 0.873 0.989    
Costs (As % Of Income) %                                                 79.0 69.7 63.6 59.6 59.7    
Capital Adequacy Ratio %                                                 14.5 16.5 17.1 24.7 22.9    
Tier 1 Ratio %                                                 12.4 13.1 13.2 19.1 17.7    
Net Interest Margin %                                                 0.894 0.839 0.894 0.939 1.09    
Interest Spread % ...                                               0.867 0.812 0.871 0.917 1.07    
Asset Yield %                                                 1.40 1.31 1.26 1.28 1.40    
Cost Of Liabilities % ...                                               0.533 0.495 0.390 0.360 0.338    
Payout Ratio %                                                 76.3 86.6 76.6 75.7 75.4    
Interest Income (As % Of Revenues) %                                                 55.6 56.1 59.2 64.0 65.6    
Fee Income (As % Of Revenues) %                                                 21.5 21.4 22.5 21.4 19.0    
Other Income (As % Of Revenues) %                                                 22.9 22.5 18.3 14.5 15.4    
Equity (As % Of Assets) %                                                 5.37 5.76 5.59 6.64 6.19    
Loans (As % Of Deposits) %                                                 99.3 94.3 94.3 89.3 91.3    
Loans (As % Assets) %                                                 32.8 38.0 31.8 37.6 40.4    
NPLs (As % Of Loans) %                                                 9.11 9.47 7.64 3.87 3.15    
Provisions (As % Of NPLs) %                                                 51.4 63.9 64.9 58.6 43.2    
Provisions (As % Of Loans) %                                                 4.91 6.44 5.22 2.32 1.38    
Cost of Provisions (As % Of Loans) %                                                 1.19 1.98 -0.373 -0.227 0.152    
other data Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                                                              
Employees                                                 123,000 118,600 91,500 90,158 77,800    

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Royal Bank of Scotland Group's net interest margin fell 2.10% to 1.07% in 3Q2019

By Helgi Analytics - November 05, 2019

Royal Bank of Scotland Group's net interest margin amounted to 1.07% in the third quarter of 2019, down from 1.09% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 1.23% in 4Q2018 and an all time...

Royal Bank of Scotland Group's price/earnings (P/E) fell 746% to -29.9 in 3Q2019

By Helgi Analytics - November 05, 2019

Royal Bank of Scotland Group stock traded at 2.07 per share at the end third quarter of 2019 implying a market capitalization of USD 30,884 mil. Since the end of 3Q2014, the stock has depreciated by -43.7 % implying an annual average growth of -10.8 %. In absolute ter...

Royal Bank of Scotland Group's capital adequacy ratio fell 1.91% to 20.5% in 3Q2019

By Helgi Analytics - November 05, 2019

Royal Bank of Scotland Group's capital adequacy ratio reached 20.5% at the end of third quarter of 2019, down from 20.9% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 24.7% in 3Q2018 and an all time low of 11....

Royal Bank of Scotland Group's share price (end of period) fell 5.41% to 2.07 in 3Q2019

By Helgi Analytics - November 05, 2019

Royal Bank of Scotland Group stock traded at 2.07 per share at the end of third quarter of 2019 implying a market capitalization of USD 30,884 mil. Over the last five years, the stock has depreciated by -43.7 % implying an annual average growth of -10.8 %. In absolute...

Royal Bank of Scotland Group's net interest income rose 1.78% to GBP 2,006 mil in 3Q2019

By Helgi Analytics - November 05, 2019

Royal Bank of Scotland Group generated total banking revenues of GBP 3,077 mil in the third quarter of 2019, down 20.7% when compared to the same period of last year and 28.8% when compared to the previous quarter. Historically, the bank’s revenues containing...

Royal Bank of Scotland Group's customer loan growth rose 98.9% to -0.026% in 3Q2019

By Helgi Analytics - November 05, 2019

Royal Bank of Scotland Group's customer loan growth reached -0.026% in 2019-09-30, up from -1.56% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 5.45% in 2016-12-31 and an all time low of -26.9% in 2010-12-31. ...

Royal Bank of Scotland Group's equity (as % of assets) fell 10.3% to 5.69% in 3Q2019

By Helgi Analytics - November 05, 2019

Royal Bank of Scotland Group's Equity reached 5.69% of total assets in the 3Q2019, down from 6.76% for the previous year. As a share of net customer loans, the ratio amounted to 13.8% at the end of the third quarter of 2019. ...

Royal Bank of Scotland Group's capital adequacy ratio rose 2.35% to 21.8% in 2018

By Helgi Analytics - November 05, 2019

Royal Bank of Scotland Group's capital adequacy ratio reached 21.8% at the end of 2018, up from 21.3% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 24.7% in 2015 and an all time low of 9.40% in 1988. The Tier 1 ...

Royal Bank of Scotland Group's net profit rose 51.6% to GBP 2,092 mil in 2018

By Helgi Analytics - November 05, 2019

Royal Bank of Scotland Group made a net profit of GBP 2,092 mil under revenues of GBP 14,323 mil in 2018, up 51.6% and 5.97% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of GBP 7,549 mil in 2007 and an all time ...

Royal Bank of Scotland Group's npls (as % of loans) fell 8.11% to 2.50% in 2018

By Helgi Analytics - November 05, 2019

Royal Bank of Scotland Group's non-performing loans reached 2.50% of total loans at the end of 2018, down from 2.72% compared to the previous year. Historically, the NPL ratio hit an all time high of 9.47% in 2013 and an all time low of 0.645% in 1999. Prov...

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