Page 9 - RBS GRG F Case Study

rather than base rate (See Diagram 4). Moreover, the
bank would now make money.

Customer – Bank -

Relationship

As these customers

progressed through the GRG

system eventually RBS

would say they would move

the customer back to main-stream banking.

Since 2009 RBS had formed two areas to assist “problem”

businesses namely the Specialised Relationship
Management (“SRM”), which was responsible for

supporting customers who were beginning to encounter

financial difficulties, and Global Restructuring Group

(“GRG”) which was responsible for financial restructuring

to aid an impaired business and return it to financial

health (or where this was not possible to protect the

bank’s capital position).