The Royal Bank of Scotland Group plc, through its subsidiaries, offers banking and financial products and services to personal, commercial, corporate, and institutional customers in the United Kingdom, the United States, and internationally. The company’s UK Retail segment offers banking products and related financial services to the personal market. Its UK Corporate segment provides banking, finance, and risk management services to the corporate and small and medium-sized enterprise sector. The company’s Wealth segment offers private banking and investment services, offshore banking, and international private banking services. Its Global Transaction Services segment provides transaction services, including payments, cash and liquidity management, trade finance, and commercial card products and services. The company’s Ulster Bank segment offers retail and business banking services in Ireland. Its US Retail & Commercial segment provides financial services primarily through the Citizens and Charter One brands. The company’s Global Banking & Markets segment offers debt and equity financing, risk management, and investment services. This segment also engages in the money markets, rates flow trading, currencies, equities, credit and mortgage markets, and portfolio management and origination businesses. Its RBS Insurance segment provides various general insurance products to consumers under the Direct Line, Churchill, and Privilege brand names, as well as offers insurance services for third party brands. The Royal Bank of Scotland Group plc provides its products and services through a network of branches, ATMs, and relationship managers, as well as telephone and Internet channels. The Royal Bank of Scotland Group plc was founded in 1727 and is headquartered in Edinburgh, the United Kingdom.