The Royal Bank of Scotland is the second largest bank in the UK and sixth largest in the world. It is headquartered in Edinburgh, Scotland and was founded in 1727. The document provides details about RBS's organizational structure, branches worldwide, local network in Pakistan, and corporate information about its leadership and operations in Pakistan. It also includes a PEST analysis that discusses political, economic, social, technological and other external factors that could impact RBS.

1. THE ROYAL BANK OF SCOTLAND Presented To: Sir Riaz Ahmad Mian Presented By: Waseem Akbar M09MBA065 Muhammad Farid Azhar M09MBA070 AnasSajid M09MBA075

3. ANAS SAJID M09MBA075

4. INTRODUCTION 2ND Largest Bank in UK Ranked 6th In the World Mainly Listed in the London Stock Exchange Also listed in EuronextAmbsterdam & New York Stock Exchange

8. HEADQUARTER HEADQUARTER 36 St Andrew Square, Edinburgh, United Kingdom

9. HISTORY Founded in Edinburgh, by royal charter, in 1727 Opened its first branch in Glasgow in 1783 In 1874 it opened a branch office in London During the 1980s it set up an innovative car insurance company Acquired National Westminster Bank plc in 2000 In august 2008 it take over the ABN AMRO in Pakistan

10. ORGANIZATIONAL STRUCTURE Chairman Philip Hampton

11. EXECUTIVE DIRECTORS Group Chief Executive Stephen Hester Group Finance Director Bruce van Saun

12. NON-EXECUTIVE DIRECTORS Colin Buchan Sir Sandy Crombie Penny Hughes Joe MacHale John McFarlane Brendan Nelson Arthur Ryan Philip Scott

13. BRANCHES

14. BRANCHES Over 2300 Domestic Branches In UK Over 4100 Branches Worldwide Has more than 40million customers worldwide Over 226,000 employees across the globe

15. LOCAL NETWORK

16. RBS IN PAKISTAN In august 2008 it take over the ABN AMRO Listed on all the Stock Exchanges Total Branches 79 Branches Total Employees 3120 Employees 1643 Permanent Employees

17. CORPORATE INFORMATION Chairman Mr. Muhammad Aurangzeb Chief Executive Officer Mr. ShehzadNaqvi Directors Mr. Robert Ralph Davis Mr. James Alexander Brown Lt. Gen (R) Muhammad Maqbool Mr. Shamim Ahmad Khan Mr. Shahid Hafiz Kardar

18. CORPORATE INFORMATION Audit Committee Mr. Shamim Ahmad Khan (Chairman) Lt. Gen. (R) Muhammad Maqbool (Member) Mr. Shahid Hafiz Kardar (Member) Mr. James Alexander Brown (Member) Risk Management Committee Mr. ShehzadNaqvi (Chairman) Mr. James Alexander Brown (Member) Mr. Shamim Ahmad Khan (Member) Mr. Shahid Hafiz Kardar (Member) Lt. Gen. (R) Muhammad Maqbool (Member)

19. CORPORATE INFORMATION Chief Financial Officer MirzaZafarBaig Company Secretary MianEjaz Ahmad Auditors Messrs M. YousufAdilSaleem & Co. Legal Advisor Messrs Hassan & Hassan (Advocates)

20. CORPORATE INFORMATION Registrar Messrs HameedMajeed Associates (Pvt) Limited Principal Office 16, Abdullah Haroon Road Karachi, Pakistan. Registered / Head Office 77-Y, Phase-III, Commercial Area, Defence Housing Authority, Lahore, Pakistan.

21. Credit Rating The Pakistan Credit Rating Agency (PACRA), has given RBS a long term rating of ‘AA’ and a short term rating at ‘A1+’

22. Pest Analysis

23. WASEEM AKBAR M09MBA065

24. OUR BUSINESS Consumer Banking Islamic Banking Royal Preferred Banking Commercial Banking Corporate and Institutional Banking

25. Consumer Banking Deposit Loan Credit Cards Insurance Relationship Privileges Business First

26. Deposit Access Account Anchor Accout Classic Account Service Account Value Term Account

27. Loan Balance Transfer Facility(BTF) Home Finance Loan Against Shares (LAS)

28. Credit Cards RBS Platinum Credit Card RBS mc2 Credit Card RBS Ufone Credit Card RBS airblue MasterCard

29. Insurance Blessings for Life Companion for Life Treasure Plus Golden Years Family First ATM Withdrawal Insurance All Rounder

30. Relationship Privileges Evening Banking Customer Interaction ATM Network Debit Card Funds Transfer E-statement Drop box Facility Bill Payments SMS Banking Lockers

31. Business First Gives you the banking solutions for your needs Banking solutions for your business needs Banking solutions for your personal needs

33. Islamic Banking RBS Islamic Banking provides you the following Products Consumer Products Commercial Products

34. Consumer Products Deposit BancatakafulKafeel Home Finance

35. Deposit Current A/C Saving A/C Term Deposit A/C

36. BancatakafulKafeel It is an islamic insurance which protects your future against any financial or life threatening eventualities that may befall upon you or your family

37. Home Finance Islamic Banking Home Finance uses the Islamic mode of Diminishing Musharakah

38. Commercial Products Plant, Machinery and Equipment Financing Working Capital Financing Trade Financing

39. Commercial Banking Cash Management Trade Services Commercial Banking Online Financing Foreign Exchange

40. Cash Management Accounts Collections Payments Doorstep Banking

41. Trade Services Provide you services relating import and export activities like L/C issuance and L/C Confirmation

42. Commercial Banking Online Online Payments Balance and Transaction Reporting Online International Trade Activities

43. Financing Manage your general working capital and funding requirements. Loans Asset-based Finance Agriculture Finance

44. MUHAMMAD FARID AZHAR M09MBA070

47. SWOT Analysis

48. Strength Presence in Major Global Markets Competent Management Innovative Product Offering Quality check on employees’ productivity First bank to offer alternate employment to retrenched employees

49. Weakness Lack of proper inquiry call centre performance Job enrichment to only managerial positions Limited Branches Lengthy Procedures

50. Opportunities RBS Phone Banking Offers Foreign Currency Accounts Use of advance technology

51. Threats Vast flood of commercial banking Sector Religious class prefer local banks Threat of terrorism Multinational Competition

53. Political Factors Political Instability High Tax Rates Policies Trading Policies

54. Economical Factors Economic Instability Currency Devaluation Inflation

55. Socio-cultural Factors Consumer attitudes and opinions Ethnic/Religious factors Living Standards

56. Technological Factors Online Banking ATM Network Better Communication Networks

57. Suggestions Provide training to employees Expand Branch Network Adopt Islamic Banking Build a Strong Marketing Strategy

59. Thanks!!!