RBS: Video & Slide Presentations - Retail Direct - 4 October 2004 - Transcription

"How that plays out, if you continue from sub-prime through to prime, MINT is our best quality base followed very closely by the two bank brands. When you look at this, and we purposely put ourselves here, at the lower end of the better quality of risk you will see lower risk, lower income (to the bank), lower provisions and lower volatility - if you look at the other end and move into sub prime you will get higher risk, you will get higher income, you will get higher provisions and higher volatility - and we are very comfortable being at this end of the spectrum."

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