Royal Bank of Scotland Group (The) PLC was incorporated and registered in Scotland under the Companies Act 1948 as a limited company on March 25, 1968 under the name National and Commercial Banking Group Limited. On September 3, 1979, the Company changed its name to The Royal Bank of Scotland Group Limited and on March 10, 1982, it changed its name to its present name. It is the holding company of a banking and financial services group. It provides banking and financial products and services to personal, commercial, corporate and institutional customers through its two subsidiaries, The Royal Bank of Scotland and NatWest, as well as through a number of other brands including Citizens, Charter One, Ulster Bank, and Coutts. The Company's businesses are Personal & Business Banking, which comprises two reportable segments. UK Personal & Business Banking and Ulster Bank RoI. UK PBB serves individuals and mass affluent customers in the UK together with small businesses. UK PBB includes Ulster Bank customers in Northern Ireland. Ulster Bank RoI serves individuals and businesses in the Republic of Ireland. Commercial & Private Banking comprises three reportable segments; Commercial Banking, Private Banking and RBS International . Commercial Banking serves commercial and corporate customers in the UK and Western Europe and RBSI serves retail, commercial, corporate and financial institution customers in Jersey, Guernsey, Isle of Man and Gibraltar. Corporate & Institutional Banking serves UK and Western European corporate customers, and financial institutions, supported by trading and distribution platforms in the UK, USA and Singapore. Capital Resolution includes CIB Capital Resolution and the remainder of RBS Capital Resolution. Williams & Glyn comprises the RBS England and Wales branch-based businesses, along with certain small and medium enterprises and corporate activities across the UK. During the period, presented W&G has not operated as a separate legal entity. The perimeter of the segment currently reported does not include certain portfolios that are ultimately intended to be divested as part of W&G, for example, certain NatWest branches in Scotland. Central items & other includes corporate functions, such as treasury, finance, risk management, compliance, legal, communications and human resources. A central function manages RBS capital resources and RBS- regulatory projects and provides services to the reportable segments. Balances in relation to Citizens and the international private banking business are included in Central items in the relevant periods.