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Royal Bank of Scotland Share Chat (RBS)



Share Price: 302.90Bid: 303.20Ask: 303.50Change: 0.00 (0.00%)No Movement on Royal Bank Scot
Spread: 0.30Spread as %: 0.10%Open: 300.40High: 303.80Low: 297.90Yesterday’s Close: 302.90


Share Discussion for Royal Bank Scot (RBS)


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HALFMIST
Posts: 90
Answer
Opinion:No Opinion
Price:302.90
Graftman/rad
Thu 22:08
The bank would much prefer low interest rates than higher ones. This is because the banks work on margins not on interst rates in order to make a profit. The higher the rate the more the chance of default and bad debts. Also the bank use the multiplier effect. without giving an economics lesson the bank can lend far more than it borrows as long as it stays within its liquidity ratio. for example the Bank of England sets a liquidity ratio of say 10% The bank borrows £10from a customer. it can lend under the rules £90 to a borrower and stay within the 10 % rule. It pays out interest on £10 and collects interest on £90 and hence makes a large profit.The lower the rate the more customers will lend so it is in its interests to have a low interest economy
 
graftman
Posts: 2,266
Off Topic
Opinion:No Opinion
Price:302.90
rad
Thu 19:00
it wasn't an independent report , the company was commissioned by RBS to investigate , the fca are still looking into it . lol low interest is bad for banks , you'll know bad for banks next year when interest rates are meant to be going up as will those who have a mortgage .
jings100
Posts: 7,185
Off Topic
Opinion:No Opinion
Price:302.90
HALFMIST
Thu 18:14
An atheist , now that's a surprise...as an accountant I'd have thought you consulted the almighty on a regular basis , lol.....If that's the Duggan who plays for England , I'm still not convinced about woman's football. Cute or otherwise .
HALFMIST
Posts: 90
Observation
Opinion:No Opinion
Price:302.00
Jings 100
Thu 16:11
It is funny (not funny ha ha) that you support Rangers because I have a soft spot for them even though I am a Catholic although I am really an athiest . I suppose it is down to the links that Celtic have with Trafford United. They are not from Manchester so I refuse to put the word Manchester in front of the word United ha ha. I also have a soft spot for FC United the team that was formed by x united fans disgruntled with the Glaziers though in truth the FC United fans tend to support both. They are doing very well again this season and will soon be playing against United as they slip down the leagues.I did say on the City Website I would only go and support the ladies when they signed Loiuse from Chelsea and the guys with girls names who play for Newcastle and Fulham who's names escape me. Check out the girl Duggan who plays for City . She is very cute and if she reads this site I can be very easily pursueded to change alliegance . I had better go and put my tin hat on and wait for the ladies wrath which I have experienced in the past.
jings100
Posts: 7,185
Off Topic
Opinion:No Opinion
Price:301.60
Rad
Thu 15:52
Who could ever have doubted them , eh . ....Low interest rates mean the banks are borrowing at historically extremely low rates . Is that saving being passed on to their customers ? I'll let you figure that one out .
jings100
Posts: 7,185
Off Topic
Opinion:No Opinion
Price:302.20
HALFMIST
Thu 15:46
At the risk of enraging the ladies on the board .Women and football !!!! That's like Porgy and Jess , Pinky and Porky ,Lennon and McCourtney something just not right about it . Got to stick with your team mate , your English , stiff upper lip and all that . Look at my lot , Rangers kicked down to the lower leagues but the cry is still no surrender , lol.
rad121
Posts: 50
Off Topic
Opinion:No Opinion
Price:302.00
Not guilty!
Thu 15:38
RBS did not try and defraud businesses, independent report shows. I never for one minute thought this was the case.

http://stream.wsj.com/story/markets/SS-2-5/SS-2-510564/
rad121
Posts: 50
Off Topic
Opinion:No Opinion
Price:302.20
Schiff
Thu 15:15
Schiff, don't record low interest rates harm bank profits though, as they are making precious little from the likes of mortgages?
HALFMIST
Posts: 90
Answer
Opinion:No Opinion
Price:299.80
Schiff/Jings
Thu 10:59
Sorry Schiff. I did not mean to be harsh, the job is bad enough with this share. I was probably not in the best of moods with my teams display last night. Jings , City are out of it but I would not rule out Chelsea with their tactical master.But I have got to admit Liverpool have played the best football and play more as a team . Anyway thinking of switching my support to City ladies. They have signed some very tasty footballers. They make their debut in the Women's Premier League away at the champions... Liverpool tonight. It is on BT Sport so i hope they start off better than the men's team did on Sunday !!
jings100
Posts: 7,185
Off Topic
Opinion:No Opinion
Price:299.70
Schiff
Thu 10:51
Thanks for the reply ....just curious as to how you defined a zombie bank . ....no such thing as Zombies BTW.......Vampire hedge funds , now that's a different matter, lol.



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