Conference Presentation

Royal Bank of Scotland Group PLC
03 October 2006




The Royal Bank of Scotland Group plc (RBS) - Merrill Lynch Banking & Insurance
Conference 2006

Sir Fred Goodwin, Group Chief Executive, presents at the Merrill Lynch Banking
and Insurance Conference in London today. The theme of the presentation is
'Risk, Return & Growth - Getting the Balance Right' and the slides will be on
our website www.rbs.com/ir today.

If you would like a copy of this presentation in a different format (eg. large
print, audio or braille) please contact the Investor Relations team on +44 20
7672 1758 or [e-mail]

For further information:

Richard O'Connor

Head of Investor Relations

[phone]

Media

Carolyn McAdam

Head of Group Communications

Tel: [phone]



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