The lender said it completed £14.3bn in gross lending during 2013, representing a 3% rise on the previous year’s figure.
It said mortgage growth had been affected by adviser training in the first half of the year with the bank completing £5.4bn between January and June compared to £8.9bn in the following six months.
RBS said this leap was also helped by the launch of the government’s Help to Buy scheme and creation of its ‘NatYes’ and ‘RBYES’ advertising campaigns.
Mortgage completions in the final quarter of the year were 25% higher than the final three months of 2012, it added.
Overall the Royal Bank of Scotland made a £8.2bn loss during 2013, its sixth annual loss since it was rescued by the UK government in 2008.
It said £3.8bn of this loss was due to regulatory and redress provisions while £4.8bn is down to the establishment of RBS Capital Resolution, the ‘bad bank’ set up to manage its high risk assets.
