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<title>RBS Discussion</title>
<description>RBS Discussion Board</description>
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion</link>

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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9266376</guid>
<title>Re: Gap down?</title>
<description><![CDATA[ No just thinking it may go slightly lower before results. By hitch19 ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9266376&amp;action=detail</link>
<pubDate>Wed, 08 Feb 2012 22:23:00 GMT</pubDate>
<dc:creator>hitch19</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9265402</guid>
<title>Re: Gap down?</title>
<description><![CDATA[ Glad I got out at 29.41. ?      Are you expecting bad results on the 23rd of February ? By nodammmoney ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9265402&amp;action=detail</link>
<pubDate>Wed, 08 Feb 2012 17:54:00 GMT</pubDate>
<dc:creator>nodammmoney</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9265256</guid>
<title>Gap down?</title>
<description><![CDATA[ Glad I got out at 29.41. Which way does consensus think this will go before results? By hitch19 ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9265256&amp;action=detail</link>
<pubDate>Wed, 08 Feb 2012 17:17:00 GMT</pubDate>
<dc:creator>hitch19</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9264001</guid>
<title>Re: margins</title>
<description><![CDATA[ You must be looking at the wrong businesses then&#133;<br>
<br>
Retail sales for luxurious brands are most certainly up&#133;cars, bags, clothing etc.<br>
Food and coffee industry is performing quite well too.<br>
Oil is up&#133;<br>
<br>
Of course, there are ups and downs across all sectors, but don&#146;t focus on the losers, follow the winners <img src="/sites/all/themes/iii2010/iiicentre/discussions/emoticons/smile.gif"><br>
 By modul-good ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9264001&amp;action=detail</link>
<pubDate>Wed, 08 Feb 2012 13:58:00 GMT</pubDate>
<dc:creator>modul-good</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9263675</guid>
<title>Interactive Investor News Team......</title>
<description><![CDATA[ By Interactive Investor News Team | Wed, 08/02/2012 - 12:42<br>
<A HREF="http://bit.ly/zAdhfz" onclick="return redirectcheck('http://bit.ly/zAdhfz')" target="_new" rel="nofollow">http://bit.ly/zAdhfz</A> By SpikeyDT ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9263675&amp;action=detail</link>
<pubDate>Wed, 08 Feb 2012 13:09:00 GMT</pubDate>
<dc:creator>SpikeyDT</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9262642</guid>
<title>margins</title>
<description><![CDATA[ I'm not talking about bank margins..I'm talking about business margins<br>
<br>
costs are rising and sales are falling By taffychaff ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9262642&amp;action=detail</link>
<pubDate>Wed, 08 Feb 2012 10:11:00 GMT</pubDate>
<dc:creator>taffychaff</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9262628</guid>
<title>Re: banking system is in total crisis</title>
<description><![CDATA[ japan had a credit bubble and property bubble and then reduced interest rates to zero and printed money.They created zombie banks and businesses by propping things up<br>
<br>
I think the situation is very comparable to uk/western world<br>
<br>
In japan 20 years later their debt is double 1991,property is 40% less than 1991 and stockmarket 75% lower.<br>
<br>
in the west they want to inflate away the debt,however,in japan DEFLATION took hold<br>
<br>
 By taffychaff ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9262628&amp;action=detail</link>
<pubDate>Wed, 08 Feb 2012 10:09:00 GMT</pubDate>
<dc:creator>taffychaff</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9260620</guid>
<title>Re: banking system is in total crisis</title>
<description><![CDATA[ Comparing Japan to UK would be wrong at the very root of any question that arises.<br>
True, the basics of economy and financial strategies all around the World are very similar. <br>
However, nobody should turn a blind eye on the factors that make the fundaments of every aspect of our lives like culture, history, education etc.<br>
Very important and much bolder, if I can say so, is the Time.<br>
Especially after tsunami that devastated Japan, now almost a year ago, many have changed their perception and view on valuables like property, electronics, gold etc.<br>
Time is needed for people to make their minds with the past and move on into the future, which is what I would expect from Japan quite soon, but not tomorrow.<br>
<br>
I would not be confident to view any reports that would compare data from 1990&#146;s.<br>
The gap is just way too wide and we are living in the Time that moves at least five times faster than it did then (Einstein would probably punch me in an eye for this sentence).<br>
<br>
What I&#146;m trying to say is that we have evolved since &#147;back then&#148; so much that more important is to understand the impact of every day that makes the Markets behave as they do right now.<br>
 <br>
In summary - UK is not Japan By modul-good ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9260620&amp;action=detail</link>
<pubDate>Tue, 07 Feb 2012 20:41:00 GMT</pubDate>
<dc:creator>modul-good</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9260504</guid>
<title>Re: banking system is in total crisis</title>
<description><![CDATA[ margins are collapsing--overdraft rate 18% BOE lending rate .5%=margin of 3600%--------MORE LIKE ROCKETING By terribletim ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9260504&amp;action=detail</link>
<pubDate>Tue, 07 Feb 2012 20:04:00 GMT</pubDate>
<dc:creator>terribletim</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9260257</guid>
<title>Re: Mr Hestor comments bode well</title>
<description><![CDATA[ This is a non financial sector employee comment!<br>
The whole sector is in turmoil but, as an amateur, RBS has been through the pits, the leadership appears to be more realistic and positive action is leading to a more secure situation. It has a LONG way to go but, unlike other favoured banks, progress is being made.<br>
The favoured banks:<br>
LTSB (currently 47% BUY) it appears, is still trying to find its identity in handling customer  issues but is winning, thereby keeping its customer base as times improve.<br>
HSBC appears to still be the most arrogant (apart from GE Money who, it seems to an outsider, to fly in the face of UK law at every possible chance) and may face a big fall. Public opinion is strengthening - last Sunday's papers had articles encouraging the 'public' to remove savings from the 'Casino' banks.<br>
HSBC has been 'casino like' in the way it handles customers who hit difficulties! AND those customers are talking of voting with their feet - moving their accounts. HSBC can survive I guess on its global reputation/profits. I banked with them when overseas - great service BUT ~I never had financial problems thankfully. If I had been treated the way many of their customers are today, I would have been extremely dissatisfied.<br>
<br>
RBS appear to treat their customers much better<br>
<br>
Is the future going to be a case of 'How are the mighty fallen'? If so, this bodes well for RBS By sniktar ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9260257&amp;action=detail</link>
<pubDate>Tue, 07 Feb 2012 18:52:00 GMT</pubDate>
<dc:creator>sniktar</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9260229</guid>
<title>Re: banking system is in total crisis</title>
<description><![CDATA[ Interest rates are still low because if they weren't things would be a lot worse and the 'recovery' (what of it there is) would be dead. Prices of goods would soar and we would all be a lot worse off than we are now as would our economy.<br>
<br>
I think your scaremongering is ridiculous to say the least, it's all too easy to be negative. By phillip124 ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9260229&amp;action=detail</link>
<pubDate>Tue, 07 Feb 2012 18:42:00 GMT</pubDate>
<dc:creator>phillip124</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9259828</guid>
<title>Mr Hestor comments bode well</title>
<description><![CDATA[ The boss of majority state-owned Royal Bank of Scotland urged his staff to &quot;prove the critics wrong&quot; and continue a clean-up that has cost 38 billion pounds ($60 billion) in the past three years.<br>
&quot;RBS is still in its loss making phase, which inevitably gives us communication challenges,&quot; RBS Chief Executive Stephen Hester said on Tuesday in a note to staff, seen by Reuters.<br>
&quot;There is no doubt that our position in the spotlight makes the job harder ... but the best way to deal with it is to prove the critics wrong.&quot;<br>
Hester last week waived a near 1-million-pound bonus after the potential handout sparked a wave of political and public anger. Two days later former RBS CEO Fred Goodwin was stripped of his knighthood. RBS is 83 percent owned by taxpayers after needing a 45 billion pounds bailout in 2008. <br>
&quot;I am acutely conscious that the way our company has been in the media and political spotlight this last 10 days is discomforting to say the least,&quot; Hester said in the note.<br>
He said RBS is still suffering &quot;the costs of 'clean up' from our risky inheritance&quot;, estimating loan losses, disposal costs and restructuring charges of 38 billion pounds so far.<br>
&quot;We are ahead of schedule in that clean-up; in fact we have been able to spend money and accelerate it as the outside environment got worse,&quot; he said.<br>
RBS is due to report its 2011 results and update on its recovery plan on Feb. 24. By hitch19 ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9259828&amp;action=detail</link>
<pubDate>Tue, 07 Feb 2012 17:07:00 GMT</pubDate>
<dc:creator>hitch19</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9258701</guid>
<title>Re: banking system is in total crisis</title>
<description><![CDATA[ well the only similar model is japan where interest rates are still zero<br>
<br>
unfortunately their property prices are still 40% lower than 1991 and their stockmarket is still 75% lower than 1991<br>
<br>
same likely here and in the western world By taffychaff ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9258701&amp;action=detail</link>
<pubDate>Tue, 07 Feb 2012 14:01:00 GMT</pubDate>
<dc:creator>taffychaff</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9258649</guid>
<title>Re: banking system is in total crisis</title>
<description><![CDATA[ There is no way it could get worse than it has gone.<br>
The only way is up now.<br>
Besides, I believe we all can agree that everybody is tired of the lows we&#146;ve been experiencing in the Markets.<br>
Changes are coming as those who can make the difference and decisions are starting to do more and more.<br>
Not so many sit back and wait for others to act.<br>
&#147;Caution &#150; Wet Floor&#148; signs are slowly being removed By modul-good ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9258649&amp;action=detail</link>
<pubDate>Tue, 07 Feb 2012 13:51:00 GMT</pubDate>
<dc:creator>modul-good</dc:creator>
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<guid isPermaLink="false">tag:iii.co.uk,2003:tst.9258408</guid>
<title>Re: banking system is in total crisis</title>
<description><![CDATA[ but the credit crunch told us interest rates were too low for too long and debt had become unserviceable<br>
<br>
Our answer to this was many multiples of the same which is why the real crunch is yet to happen and 2007 was just a warning<br>
<br>
THIS TIME THERE WILL BE NOTHING WE CAN DO By taffychaff ]]></description> 
<link>http://www.iii.co.uk/investment/detail?code=cotn:RBS.L&amp;display=discussion&amp;id=9258408&amp;action=detail</link>
<pubDate>Tue, 07 Feb 2012 13:06:00 GMT</pubDate>
<dc:creator>taffychaff</dc:creator>
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