The Royal Bank of Scotland Group plc, through its subsidiaries, provides banking and financial products and services to personal, commercial, corporate, and institutional customers worldwide. Its UK Retail division offers a range of banking products and related financial services to the personal market serving customers through various channels, including a network of branches and ATMs in the United Kingdom, telephony, online, and mobile. The company?s UK Corporate division provides banking, finance, and risk management services to the corporate and SME sector in the United Kingdom through a network of relationship managers, and telephone and Internet channels. The product range includes invoice finance through the RBSIF brand and asset finance through the Lombard brand. Its Wealth division offers private banking and investment services, offshore banking services, and international private banking services. The company?s International Banking division focuses on financing, transaction, and risk management services. Its Ulster Bank division provides retail and commercial bank services, including loan and deposit products through a network of branches and direct channels, as well as services to businesses and corporate customers. The company?s US Retail & Commercial division offers financial services primarily through the Citizens and Charter One brands. This division is involved in retail and corporate banking activities through its branch network in 12 states in the United States and through non-branch offices in other states. Its Markets division provides debt finance, fixed income, and currencies to the corporate and institutional clients. This division is focused on its core fixed income capabilities across rates, foreign exchange, asset backed products, credit, and debit capital markets. The Royal Bank of Scotland Group plc was founded in 1727 and is based in Edinburgh, United Kingdom.