RBS

Royal Bank Of Scotland (RBS)

Company name:	Royal Bank Of Scotland Group Plc
Company Description:	A group engaged principally in the provision of banking; insurance and other financial services
EPIC:	RBS (delisted)	Trading Currency:	GBX
Market Sector:	FE10	ISIN:	GB00B7T77214
Market Segment:	SET1	Share Type:	DE
WWW Address:	http://www.rbs.com/	Description:	ORD 100P
Industry Sector:	BANKS

Price	Price Change [%]	Bid	Ask	Open	High	Low	Volume
120.90	0.0 [0.00]	121.35	121.40	-	-	-	-
Market Cap. [m]	Shares In Issue [m]	Beta	EPS	DPS	PE Ratio	Yield	52-Wks-Range
14,659.17	12,125.04	0.14	26.00	14.00	4.65	11.58	-

Royal Bank Of Scotland Key Figures

Key Figures
(at previous day's close)
Market Cap.	14,659.17	m
Shares In Issue	12,125.04	m
Prev. Close	120.90
PE Ratio	4.65
Dividend Yield	11.58	%
EPS - basic	26.00	p
Dividend PS	14.00	p
Dividend Cover	1.86
Cash Flow PS	-30.46	p
Return On Equity (ROE)	7.19	%
Operating Margin	2.97	%
PEG Factor	0.05
EPS Growth Rate	92.59	%
Dividends PS Growth Rate	7.69	%
Net Debt	601,624.98	m
Gross Gearing	93.98	%
Quick Assets	419,881.01	m
Net Working Capital	-	m
Intangibles / Fixed Assets	2.18	%
Turnover PS	117.55	p
Pre-Tax Profit PS	3.49	p
Retained Profit PS	0.95	p
Cash PS	642.13	p
Net Cash PS	642.13	p
Net Tangible Asset Value PS *	304.54	p
Net Asset Value PS	359.22	p
Spread	0.05 (0.04%)
* Calculation based on Ordinary Capital figure as contained in last annual report, and the most recent shares in issue figure. Therefore the ratio might be exposed to inaccuracies.

Royal Bank Of Scotland Balance Sheet

%1$s Balance Sheet

Share Price Performance

Sorry No Data Available

Share Price Chart (5 years)

Royal Bank Of Scotland Historic Returns

Sorry No Data Available

Royal Bank Of Scotland Key Management Ratios

DEEPER ANALYSIS

Royal Bank Of Scotland Investment Ratios

%1$s Investment Ratios
(Market value analysis) at previous day's close
PQ Ratio	-
PE Ratio	4.65
Tobin's Q Ratio	0.02
Tobin's Q Ratio (excl. intangibles)	0.02
Dividend Yield	11.58	%
Market-to-Book Ratio	0.34
Price-to-Pre-Tax Profit PS	34.64
Price-to-Retained Profit PS	127.47
Price-to-Cash Flow PS	-3.97
Price-to-Sales PS	1.03
Price-to-Net Tangible Asset Value PS	0.40
Price-to-Cash PS	0.19
Net Working Capital PS	-
Price Pct to Working Capital PS	-	%
Earnings Yield	21.51	%
Average PE	23.14
Years in average	3
PE to PE average	20.09	%

Royal Bank Of Scotland Financial Ratios

%1$s Financial Ratios
(Leverage Ratios)
Debt Ratio	93.98	%
Debt-to-Equity Ratio	15.60
Debt-to-Equity Ratio (excl. Intgbl)	18.40
Debt-to-Equity Market Value	46.35
Net Gearing	83.21	%
Net Gearing (excl. Intangibles)	83.98	%
Gross Gearing	93.98	%
Gross Gearing (excl. Intangibles)	94.84	%
Gearing Under 1 Year	-	%
Gearing Under 1 Year (excl. Intgbl)	-	%
Assets/Equity	16.60
Cash/Equity	178.75
(Liquidity Ratios)
Net Working Capital to Total Assets	58.07	%
Current Ratio	-
Quick Ratio (Acid Test)	-
Liquidity Ratio	-
Cash & Equiv/Current Assets	18.54	%
(Solvency Ratios)
Enterprise Value	616,293.15	m
CFO/Sales	-0.26
CFO/Attributable Profit	-
CFO/Assets	-0.01
CFO/Debt	-0.01
Total Debt/Equity Market Value	46.35
Total Debt/Sales	47.67
Total Debt/Pre-Tax Profit	1,605.58
Total Debt	679,482.98	m
Total Debt/Net Current Assets	1.62	%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth	60.40	%
5 yr Compound Earnings Growth	-	%
10 yr Compound Earnings Growth	-	%
Earn drops > 5% in 10yrs	7

Beta coefficients
Beta (60-Mnth)	Beta (36-Mnth)
0.1411	0.1438

Royal Bank Of Scotland Operating Ratios

%1$s Operating Ratios
(Profitability Ratios)
Return On Capital Employed (ROCE)	0.06	%
Return On Assets (ROA)	0.44	%
Net Profit Margin	21.98	%
Assets Turnover	0.02
Return On Equity (ROE)	7.19	%
Return On Investment (ROI)	0.44	%
Dividend Payout Ratio	53.85	%
Plowback Ratio	46.15	%
Growth from Plowback Ratio	3.24	%
Net Income Of Revenues	0.81	%
(Asset Utilisation Multiples)
Shareholders Equity Turnover	0.32
Fixed Assets Turnover	0.05
Current Assets Turnover	0.03
Net Working Capital Turnover
Inventory Turnover	-
(Other Operating Ratios)
Total Assets-to-Sales	49.72
Debtors-to-Sales	2,325.78	%
Debt Collection Period	8,489.10	Days

Royal Bank Of Scotland Dividends

%1$s Dividends
Announcement Date	Type	Curr.	Dividend Amount	Period Start	Period End	Ex Date	Record Date	Payment Date	Total Dividend Amount
02 Aug 2019	Interim	GBX	2.00	12/31/2018	12/31/2019	08/15/2019	08/16/2019	09/20/2019	14.00
02 Aug 2019	Special	GBX	12.00	12/31/2018	12/31/2019	08/15/2019	08/16/2019	09/20/2019	-
15 Feb 2019	Final	GBX	3.50	12/31/2017	12/31/2018	03/21/2019	03/22/2019	04/30/2019	13.00
15 Feb 2019	Special	GBX	7.50	12/31/2017	12/31/2018	03/21/2019	03/22/2019	04/30/2019	-
15 Aug 2018	Interim	GBX	2.00	12/30/2017	06/30/2018	08/23/2018	08/24/2018	10/12/2018	-
28 Feb 2008	Final	GBX	23.10	12/31/2006	12/31/2007	03/05/2008	03/07/2008	06/06/2008	33.20
03 Aug 2007	Interim	GBX	10.10	12/30/2006	06/30/2007	08/15/2007	08/17/2007	10/05/2007	-
25 Feb 2007	Final	GBX	66.40	12/31/2005	12/31/2006	03/07/2007	03/09/2007	06/08/2007	30.20
02 Aug 2006	Interim	GBX	24.20	12/30/2005	06/30/2006	08/16/2006	08/18/2006	10/06/2006	-
24 Feb 2006	Final	GBX	53.10	12/31/2004	12/31/2005	03/08/2006	03/10/2006	06/09/2006	24.17
04 Aug 2005	Interim	GBX	19.40	12/30/2004	06/30/2005	08/10/2005	08/12/2005	10/07/2005	-
24 Feb 2005	Final	GBX	41.20	12/31/2003	12/31/2004	03/09/2005	03/11/2005	06/03/2005	19.33
03 Aug 2004	Interim	GBX	16.80	12/30/2003	06/30/2004	08/11/2004	08/13/2004	09/08/2004	-
19 Feb 2004	Final	GBX	35.70	12/31/2002	12/31/2003	03/10/2004	03/12/2004	06/04/2004	17.77
05 Aug 2003	Interim	GBX	14.60	12/30/2002	06/30/2003	08/13/2003	08/15/2003	10/10/2003	-
27 Feb 2003	Final	GBX	31.00	12/31/2001	12/31/2002	03/12/2003	03/14/2003	06/06/2003	14.57
09 Aug 2002	Interim	GBX	12.70	12/30/2001	06/30/2002	08/14/2002	08/16/2002	10/11/2002	-
28 Feb 2002	Final	GBX	27.00	12/31/2000	12/31/2001	03/13/2002	03/15/2002	06/07/2002	12.67
07 Aug 2001	Interim	GBX	11.00	12/30/2000	06/30/2001	08/15/2001	08/17/2001	10/12/2001	-
01 Mar 2001	Final	GBX	23.50	12/31/1999	12/31/2000	03/14/2001	03/16/2001	05/18/2001	11.00
01 Aug 2000	Interim	GBX	9.50	12/30/1999	06/30/2000	08/14/2000	08/18/2000	10/13/2000	-
29 Nov 1999	Final	GBX	20.30	09/30/1998	09/30/1999	12/13/1999	12/17/1999	02/18/2000	9.50
03 Dec 1998	Final	GBX	17.47	09/30/1997	09/30/1998	12/14/1998	12/18/1998	02/19/1999	8.20
17 Nov 1998	Interim	GBX	0.77	03/30/1998	09/30/1998	12/21/1998	12/29/1998	01/29/1999	-
17 Jun 1998	Final	GBX	1.40	03/31/1997	03/31/1998	06/29/1998	07/03/1998	07/30/1998	0.70

Royal Bank Of Scotland Fundamentals

Profit and Loss Account
	31 Dec 2016 (GBP)		31 Dec 2017 (GBP)		31 Dec 2018 (GBP)		31 Dec 2019 (GBP)
turnover	12,590.00	100.00%	13,133.00	100.00%	13,402.00	100.00%	14,253.00	100.00%	m
pre tax profit	-4,082.00	-32.42%	2,239.00	17.05%	3,359.00	25.06%	423.20	2.97%	m
attributable profit	-6,955.00	-55.24%	752.00	5.73%	1,622.00	12.10%	3,133.00	21.98%	m
retained profit	-6,955.00	-55.24%	752.00	5.73%	55.00	0.41%	115.00	0.81%	m
eps - basic (p)	-59.50		6.30		13.50		26.00
eps - diluted (p)	-59.50		6.30		13.40		25.90
dividends per share	-		-		13.00		14.00

Royal Bank Of Scotland Balance Sheet

Balance Sheet
	31 Dec 2016 (GBP)		31 Dec 2017 (GBP)		31 Dec 2018 (GBP)		31 Dec 2019 (GBP)


	31 Dec 2016 (GBP)		31 Dec 2017 (GBP)		31 Dec 2018 (GBP)		31 Dec 2019 (GBP)
ASSETS
fixed assets	4,590.00	0.57%	4,602.00	0.62%	-	-%	-	-%	m
intangibles	6,480.00	0.81%	6,543.00	0.89%	6,616.00	0.95%	6,622.00	0.92%	m
fixed investments	320,218.99	40.09%	240,225.99	32.55%	277,757.98	40.01%	296,536.01	41.01%	m
current assets - other	-	-%	-	-%	-	-%	-	-%	m
stocks	-	-%	-	-%	-	-%	-	-%	m
debtors	393,117.01	49.22%	388,347.99	52.62%	320,964.00	46.23%	342,023.01	47.30%	m
cash & securities	74,250.00	9.30%	98,337.00	13.32%	88,897.00	12.81%	77,858.00	10.77%	m

TOTAL	798,656.00	100%	738,055.98	100%	694,234.99	100%	723,039.02	100%	m

LIABILITIES
creditors - short	-	-%	-	-%	-	-%	-	-%	m
creditors - long	-	-%	-	-%	-	-%	-	-%	m
creditors - other	729,833.01	91.38%	676,241.01	91.62%	637,210.00	91.79%	669,503.98	92.60%	m
subordinated loans	19,419.00	2.43%	12,722.00	1.72%	10,535.00	1.52%	9,979.00	1.38%	m
insurance funds	-	-%	-	-%	-	-%	-	-%	m

TOTAL	749,252.01	93.81%	688,963.01	93.35%	647,745.00	93.30%	679,482.98	93.98%	m

EQUITY
ord cap, reserves	48,609.00	6.09%	48,330.00	6.55%	45,736.00	6.59%	43,547.00	6.02%	m
prefs, minorities	795.00	0.10%	763.00	0.10%	754.00	0.11%	9.00	0.00%	m

TOTAL	49,404.00	6.19%	49,093.00	6.65%	46,490.00	6.70%	43,556.00	6.02%	m

OTHER
NAV Basic	-		-		-		-
NAV Diluted	-		-		-		-

Royal Bank Of Scotland Cash Flow Statement

%1$s Cash Flow Statement
	31 Dec 2016 (GBP)	31 Dec 2017 (GBP)	31 Dec 2018 (GBP)	31 Dec 2019 (GBP)
Operating CF	-3,650.00	38,741.00	-228.00	-3,693.00	m
Pre-Financing CF	-8,009.00	32,259.00	-8,183.00	-4,409.00	m
Retained CF	-5,022.00	24,035.00	-13,794.00	-8,348.00	m

Royal Bank Of Scotland Brokers

%1$s Brokers
Name	Activity	Type	Mnemonic	Code
Evolution Securities Limited	Market Maker(MME)	Broker/Dealer	EVO	EVBGGB21MMT
Fox-Davies Capital Ltd	Market Maker(MME)	Broker/Dealer	FOXY	FOXD1234
Winterflood Securities Ltd	Market Maker(MME)	Broker/Dealer	WINS	WNTSGB2LBIC