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Royal Bank of Scotland (RBS) Q4 2020 Earnings Call Transcript Motley Fool Transcribing © The Motley Fool Logo of jester cap with thought bubble. Royal Bank of Scotland (NYSE: RBS) Q4 2020 Earnings Call Howard Davies Good morning, everyone, and thank you for joining Alison, Katie, and me for our full-year 2020 results presentation. It s fair to say that 2020 was a year like no other. Politicians, regulators and industry leaders have to come together and find urgent solutions to a series of rapidly evolving challenges caused by the pandemic, and the United Kingdom left the European Union after nearly 50 years of membership. At the last minute, the trade agreement with the EU avoided a disorderly exit, but there s still a lot of work to do and significant uncertainty persists, particularly in financial services.

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