Brokers say its four main lending brands – RBS, First Act- ive, One Account and NatWest – need better definition to compete in the intermediary market.Group earnings were 6.9bn for the year to December 2004 and RBS Group vowed to challenge industry giants such as HBOS for market share. But brokers say it has a less clear vision of its components while the HBOS brands – particularly Halifax and BM Solutions – are successful in their own right. Savills Private Finance managing director Mark Harris says: “I suspect they are looking at a strategy to reaffirm the brands or perhaps be looking at creating a fifth intermediary-focused brand. As it stands, the brands are a little jumbled.” Hamptons International Mortgages technical director Jonathan Cornell says: “You do not need four brands to do the same thing. The group has a huge appetite to do more business to challenge HBOS but you have got to grow a lot more to do that.” First Active and One Account were unable to comment.