苏格兰皇家银行RBS
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英国 特色服务: 长期活动:
The bank traces its origin to the Society of the Subscribed Equivalent Debt which was set up by investors in the failed Company of Scotland to protect the compensation they received as part of the arrangements of the 1707 Acts of Union. The Equivalent Society became the Equivalent Company in 1724, and the new company wished to move into banking. The British government received the request favourably as the "Old Bank", the Bank of Scotland, was suspected of having Jacobite sympathies. Accordingly the "New Bank" was chartered in 1727 as the Royal Bank of Scotland, with Archibald Campbell, Lord Ilay appointed as its first governor.
In 1728, the Royal Bank of Scotland became the first bank in the world to offer an overdraft facility.
苏格兰皇家银行集团建于1727年,总部设在英国的爱丁堡,是欧洲领先的金融服务集团,也是英国最大的银行,其业务遍及英国和世界各地。该银行在英国的法人、个人及海外银行业中排名第一,在零售银行业及私人汽车保险业中排名第二。苏格兰皇家银行集团在英国和爱尔兰拥有2000多家分行,服务于1500多万客户。2000年3月,该行与英国西敏寺银行(National Westminster Bank,2000年排名222)合并。2000财政年度(2000/9),苏格兰皇家银行集团的营业额177.13亿美元,净收益31.72亿美元,总资产4681.33亿美元,雇员19620名。 苏格兰皇家银行集团除拥有苏格兰皇家银行(The Royal Bank of Scotland plc)和国民西敏寺(NatWest)两个银行服务品牌外,还拥有3个主要的金融服务品牌:直接在线(Direct Line)是英国私人汽车保险市场以及电话金融服务的领导者;公民金融集团(Citizens Financial Group)总部设在美国的罗德岛(Rhode Island),是新英格兰州第二大银行;Ulster Bank总部设在北爱尔兰,在北爱尔兰银行业占有重要地位。苏格兰皇家银行集团拥有8个业务部门:英国皇家银行个人零售银行;国民寺人寿、国民寺个人零售银行、RSA等;RBSI、ADAM & Co、Coutts集团以及国民寺股票经纪等资金管理部;直接零售业务的VIRGIN直接个人金融、泰斯克(Tesco)个人金融、电子商务和因特网、信用卡业务、自有品牌业务、直接银行;法人银行和金融营销;直接在线DLI等;从事个人、商业、企业银行业务的Ulster银行;从事个人、商业、企业银行业务的公民金融集团(美国)。
最近,苏格兰皇家银行宣布出售其基金管理业务公司Ulster银行投资管理公司(爱尔兰第四大基金管理公司,有资产46亿英镑)给总部设在布鲁塞尔的银行与保险业集团KBC。