王室の Bank 元気づけるs with growth

By NICK GOODWAY FOR MAILONLINE
Updated: 00:00 BST, 9 December 2002

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THE 王室の Bank of Scotland 安心させるd the 株式市場 today that it is on course to produce good growth in 利益（をあげる）s and 歳入s this year, にもかかわらず the 滞るing economy. The news was 迎える／歓迎するd with 救済 by 投資家s, who were spooked last week after Barclays and Lloyds TSB appeared to rein in 期待s.

王室の Bank 長，指導者 (n)役員／(a)執行力のある Fred Goodwin said: 'We remain committed to our goal of building superior, 維持できる val ue for our 株主s, 顧客s and staff. Whilst the 経済的な 見通し continues to be uncertain, we are 確信して that our bias に向かって いっそう少なく volatile activities in いっそう少なく volatile 地理学s will enable us to continue to 達成する this goal.'

The bank, which also owns NatWest, showed no 指示，表示する物 that it would need to raise 準備／条項s 過度に to 対処する with bad or doubtful 負債s. It said: 'The 告発（する），告訴（する）／料金 for 準備／条項s continues at a level in line with 期待s and 一貫した with the first half of 2002 and the growth in the 貸付金 調書をとる／予約する.'

分析家s said 王室の Bank's 強調 on UK and US 小売 and 商業の 顧客s and lower （危険などに）さらす to countries like Argentina left it いっそう少なく exposed to bad 負債s than some of its 競争相手s

王室の Bank said its 2002 人物／姿／数字s 'are 推定する／予想するd to 含む strong growth in income, a その上の 改良 in efficiency, stable 利ざやs and 準備／条項s in line with 指導／手引 given at the half year 行う／開催する／段階. 全体にわたる, group 利益（をあげる） is 心配するd to be in line with 期待s.

分析家s' 予測（する）s for the 現在の year 範囲 from around £6.4bn to £6.45bn 利益（をあげる） before 税金, from £5.8bn last year. At the half year 行う／開催する／段階 the bank showed a 12% 伸び（る） in pre-税金 利益（をあげる）s to £2.3bn, on a 20% rise in 歳入s.

Goodwin said: 'Even if the US economy slows 負かす／撃墜する, we are 井戸／弁護士席-positioned because 国民s is deposit-led and as economies slow 負かす／撃墜する people deposit more.'

In the last few months 王室の Bank has 完全にするd the 統合，差別撤廃 of the （警察などへの）密告，告訴（状） 科学（工学）技術 systems of two of its major 引き継ぎ／買収s. NatWest's IT 統合，差別撤廃, 完全にするd last month, is 予定 to bring 相当な 貯金 during next year. It had 転換d US buy Mellon's 小売 banking on to the 国民s' 壇・綱領・公約 in September.

王室の Bank said its costs remained 井戸／弁護士席 under 支配（する）／統制する. Income was continuing to grow more quickly than expenses, which had その上の 改善するd its cost-income 割合. The 逮捕する 利益／興味 利ざや, however, remained 安定した at a 類似の level to that in the first half. The only real 黒人／ボイコット 位置／汚点／見つけ出す remained Wealth 管理／経営, which has been 不正に 攻撃する，衝突する by the 落ちる in 株式市場 values.

Late last month Spain's biggest bank, Santander Central Hispano, sold a 3% 火刑／賭ける in 王室の Bank 価値（がある） £1.36bn , 減ずるing its 持つ／拘留するing to いっそう少なく than 5%. The Spanish bank 選ぶd up a 10% 火刑／賭ける in the Scottish bank and was instrumental in its successful 企て，努力，提案 for NatWest. 王室の Bank owns 2.8% of Santander and the 同盟 is still said to be strong. Since it bought 国民s in 1988 王室の Bank has acquired another 21 US banks.