It said the market flow share stood at 13 per cent, with mortgage approval share of around 12 per cent.
However, it continued to feel the pinch with the market competition as it’s net interest margin fell to 1.89 per cent in the three months to the end of March 2019, down from 1.95 per cent in Q4 2018 and 2.04 per cent in Q1 2018.
Net loans to customers increased by £0.1bn from Q4 2018 to £150.6bn in the first three months of the year, driven by mortgage lending.
RBS reported an operating profit before tax of £1bn in Q1 2019, compared with £1.2bn in the same period a year ago, primarily reflecting £265m lower income, partially offset by £73m lower operating expenses.
Further, RBS achieved a £45m cost reduction in the quarter, remaining on track to meet its £300m cost reduction target this year.
The bank counts 6.6m regular personal and business users of its mobile app. In UK Personal Banking, 73 per cent of active account customers are regular digital users. Total digital sales volumes increased by 17 per cent, representing 47 per cent of all sales in Q1 2019.
Around 59 per cent of personal unsecured loan sales were via the digital channel, four per cent higher than Q1 2018, and 54 per cent of accounts opened in Q1 2019 were via the digital channel, with digital volumes 44 per cent higher.
Looking at the future, the lender said that the ongoing impact of Brexit uncertainty on the economy, and associated delay in business borrowing decisions, is likely to make income growth more challenging in the near term.
In 2018, RBS completed £30.4bn worth of gross mortgage lending, down from its £31bn total in 2017, but maintaining its 11.3% market share.
