Filed under Rule 424(b)(5), Registration Statement No. 333-184147
Preliminary Pricing Supplement No. 23 dated October 15, 2012 (to: Prospectus dated September 28, 2012 and Prospectus Supplement dated September 28, 2012)
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CUSIP / ISIN Number
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Aggregate Principal Amount
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Price to Public
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Selling Commission
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Net Proceeds
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Coupon Type
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Coupon Rate
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Coupon Frequency
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Maturity Date
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1st Coupon Date
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1st Coupon Amount
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Survivor's Option
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Product Ranking
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78012DAY9 /
US78012DAY94
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$
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100.00%
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1.50%
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$
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FIXED
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2.20%
per annum
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MONTHLY
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10/15/2017
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11/15/2012
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$1.22
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NO
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SENIOR
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Redemption Information: Non-Callable/Non-Puttable
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Lead Manager and Lead Agent: RBS Securities Inc.
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Offering Dates: 10/15/2012 through 10/22/2012
Trade Date: 10/22/2012
Settlement Date: 10/25/2012
Minimum Denomination/Increments: $1,000.00/$1,000.00
Initial trades settle flat and clear SDFS: DTC Book-Entry only
DTC Number 2230 via RBS Securities Inc.
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The Royal Bank of Scotland Group plc
Retail Corporate Notes
Prospectus dated September 28, 2012
and Prospectus Supplement dated September 28, 2012
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The Royal Bank of Scotland Group plc
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If the maturity date or an interest payment date for any note is not a business day (as that term is defined in the prospectus supplement), principal, premium, if any, and interest for that note is paid on the next business day, and no interest will accrue from, and after, the maturity date or interest payment date.
The notes will be treated as fixed rate debt instruments for U.S. federal income tax purposes.
Intended to be listed on the Channel Islands Stock Exchange.
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