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3 things you need to know about Royal Bank of Scotland shares

first_img Rachael FitzGerald-Finch has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Image source: Getty Images. 3 things you need to know about Royal Bank of Scotland shares If you’re thinking of buying shares in the Royal Bank of Scotland (LSE: RBS), I think there are some things you should seriously consider. Shares in the bank have plummeted 54% so far this year which doesn’t compare well with the FTSE 100‘s relatively small 22% nosedive. But, on its own, this is not necessarily a show stopper. Indeed, as any Fool knows, a sound investment is more than just buying a stock at a lower price. It’s the result of sound research into a company’s situation and outlook. Which is why it’s worth highlighting three areas of interest to those thinking of buying RBS stock.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…RBS is rebranding to NatWest GroupRBS is changing its name to NatWest Group to mark the “start of a new era” for the bank. Understandably, RBS is keen to move on from its association with the 2008 financial crisis and its £45b state bailout. Supposedly, the name change will not alter services for current customers.However, its loss-making investment banking division, NatWest Markets, is being restructured and streamlined to try and improve profitability. But with foreign exchange gains in 2019 putting more into the bank’s coffers than any other single RBS banking division, I think there’s scope for more to be done elsewhere too.   62% Royal Bank of Scotland Shares owned by governmentThat £45b state bailout bought the UK government 82% of the shares of the Royal Bank of Scotland in 2008. Over time, the government has sold part of its holdings and public ownership now accounts for around 62%. It was thought that the government would try to sell its stake by 2023–24. However, the Chancellor has confirmed that the bank will retain its share for at least another year to focus on the coronavirus response.The problem with this is twofold. Firstly, there is the downward pressure it may have on the RBS share price. The government will sell at some point, the question is when. And secondly, it still leaves the bank subject to direct political interference it may not need or benefit from.IT risk factorsIn the 2019 half-year results, RBS highlighted information technology as a hazard that could impact its operations. Moreover, banks more generally are frustrated by IT failures and cyber-attacks because their networks are hard to protect. However, RBS in particular has a history of security breaches.More and more of us are banking online, whether for business or personal reasons. Unless RBS manages to improve its cybersecurity, it may start pushing customers towards its more digitally-savvy, lower-cost competitors, reducing revenues.Royal Bank of Scotland shares are currently trading around 110p. The bank has a tangible net asset value of around 309p and some analysts gave RBS a fair value of 272p back in January. I expect it’s dropped a bit since but it still offers a lot of bank for your money.However, until the government sells its stake and RBS begins to become more competitive with its peers, I think there are better banks for your money.      I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. “This Stock Could Be Like Buying Amazon in 1997” See all posts by Rachael FitzGerald-Finchcenter_img I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Our 6 ‘Best Buys Now’ Shares Simply click below to discover how you can take advantage of this. Enter Your Email Address Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Rachael FitzGerald-Finch | Friday, 8th May, 2020 | More on: NWG last_img read more

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