1. UK Personal
   1. UK Wealth
      1. RBS Coutts
      2. Coutts and Co.
      3. Adam and Co.
   2. UK Retail
      1. RBS
      2. Natwest
         1. Mentor UK
2. RBS Insurance
   1. Churchill
   2. Green Flag
   3. NIG
   4. Tracker
   5. UKI Partnerships
   6. Direct Line
      1. Direct Line Germany and Italy
   7. Privilege
3. UK corporate
   1. GTS - Global Transactional Services
4. EMEA Retail and commercial
   1. Ulsterbank
5. GBM
6. US retail and commercial