September 9, 2008 Make it happen Current account mortgages Lawrence Della Valle, Head of The One account The RBS Intermediary Roadshow.

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Presentation transcript:

September 9, 2008 Make it happen Current account mortgages Lawrence Della Valle, Head of The One account The RBS Intermediary Roadshow

2 What we’re here to talk about Flexible v Offset v CAM Growing consumer understanding Profile of a TOA CAM customer Customer benefits What’s in it for you

The RBS Intermediary Roadshow 3 Flexible v Offset v CAM Flexible Mortgages Offset Mortgages Current Account Mortgages

The RBS Intermediary Roadshow 4 Growing consumer understanding Flexible mortgages are seen as the ‘norm’ Consumers are ‘comfortable’ with the idea of an offset....growth in current account mortgages Customers desire for face-to-face advice

The RBS Intermediary Roadshow 5 Profile of a typical One account customer Residential Locations Property Household Structure Financial Status Employment Status Car Status

The RBS Intermediary Roadshow 6 Changes in customer profile

The RBS Intermediary Roadshow 7 The facts about CAM Customers 40% of our customers are the 3 most affluent groups 80% of all our customers are on track to overpay their mortgages Prospering families is our largest sector Referrals is the biggest

The RBS Intermediary Roadshow 8 Consumer benefits Flexibility & adaptability Maximise Savings Opportunity Financial Freedom

The RBS Intermediary Roadshow 9 Consumer benefits

The RBS Intermediary Roadshow 10 The future New ‘Prospecting Zone’ Marketing Material to your customers Customer Profiling Hints & Tips

The RBS Intermediary Roadshow 11 Summary Consumers are open to moving to a current account mortgage Benefit those on moderate incomes & affluent Consumer debt and flexibility provides a good reason to talk to customers The One account offers a full range of customer solutions

The RBS Intermediary Roadshow 12

The RBS Intermediary Roadshow 13 RBS Intermediary Partners on The One account team Or visit rbsip.com

The RBS Intermediary Roadshow 14