Yet the decline of 19% in net income exceeds expectations.
As part of an internal probe that forms part of an international investigation.
Better-than-expected earnings and revenue for the fourth quarter amid litigation problems.
Labour is urging Chancellor George Osborne to block any attempt by Royal Bank of Scotland to pay bonuses of up to double its bankers' annual salary.
Fourth-quarter earnings decline 7.3% to $5.28 billion.
U.S. federal authorities say the bank failed to report suspicious activity relating to Bernard Madoff's Ponzi scheme.
Penalty of $3.75 million covers failure properly to keep trading data and account records.
Text of the Final Common Rules
Intends to invest in sub-Saharan Africa's financial sector with Mara Group's Ashish Thakkar.
Monte dei Paschi foundation has big enough holding to block rights issue by troubled lender, Italy's third largest bank.
