<?xml version="1.0" encoding="us-ascii"?>
<!--XBRL document created with Toppan Merrill Bridge  9.6.8042.36810 -->
<!--Based on XBRL 2.1-->
<!--Created on: 3/3/2022 9:27:04 PM-->
<!--Modified on: 3/3/2022 9:27:04 PM-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink">
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#StatementConsolidatedIncomeStatement" roleURI="http://www.rbs.com/role/StatementConsolidatedIncomeStatement" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#StatementConsolidatedIncomeStatementCalc2" roleURI="http://www.rbs.com/role/StatementConsolidatedIncomeStatementCalc2" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#StatementConsolidatedStatementOfComprehensiveIncome" roleURI="http://www.rbs.com/role/StatementConsolidatedStatementOfComprehensiveIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#StatementConsolidatedStatementOfComprehensiveIncomeCalc2" roleURI="http://www.rbs.com/role/StatementConsolidatedStatementOfComprehensiveIncomeCalc2" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#StatementConsolidatedBalanceSheet" roleURI="http://www.rbs.com/role/StatementConsolidatedBalanceSheet" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#StatementConsolidatedCashFlowStatement" roleURI="http://www.rbs.com/role/StatementConsolidatedCashFlowStatement" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureNetInterestIncomeDetails" roleURI="http://www.rbs.com/role/DisclosureNetInterestIncomeDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureNonInterestIncomeDetails" roleURI="http://www.rbs.com/role/DisclosureNonInterestIncomeDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureOperatingExpensesDetails" roleURI="http://www.rbs.com/role/DisclosureOperatingExpensesDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureOperatingExpensesBonusAwardsReconciliationDetails" roleURI="http://www.rbs.com/role/DisclosureOperatingExpensesBonusAwardsReconciliationDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureOperatingExpensesBonusAwardsActualAndExpectedDetails" roleURI="http://www.rbs.com/role/DisclosureOperatingExpensesBonusAwardsActualAndExpectedDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureSegmentalAnalysisOperatingProfitLossBeforeTaxDetail" roleURI="http://www.rbs.com/role/DisclosureSegmentalAnalysisOperatingProfitLossBeforeTaxDetail" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureSegmentalAnalysisNetFeesAndCommissionsDetails" roleURI="http://www.rbs.com/role/DisclosureSegmentalAnalysisNetFeesAndCommissionsDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureSegmentalAnalysisGeographicalSegmentsDetails" roleURI="http://www.rbs.com/role/DisclosureSegmentalAnalysisGeographicalSegmentsDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosurePensionsChangesInValueOfNetPensionAssetsLiabilityDetails" roleURI="http://www.rbs.com/role/DisclosurePensionsChangesInValueOfNetPensionAssetsLiabilityDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosurePensionsAmountsInFinancialStatementsDetails" roleURI="http://www.rbs.com/role/DisclosurePensionsAmountsInFinancialStatementsDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosurePensionsSensitivitiesOfPresentValueOfDefinedBenefitObligationDetails" roleURI="http://www.rbs.com/role/DisclosurePensionsSensitivitiesOfPresentValueOfDefinedBenefitObligationDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureAuditorSRemunerationDetails" roleURI="http://www.rbs.com/role/DisclosureAuditorSRemunerationDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureTaxTaxChargeDetails" roleURI="http://www.rbs.com/role/DisclosureTaxTaxChargeDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureTaxAnalysisOfDeferredTaxDetails" roleURI="http://www.rbs.com/role/DisclosureTaxAnalysisOfDeferredTaxDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureDiscontinuedOperationsAndAssetsAndLiabilitiesOfDisposalGroupsProfitLossFromDiscontinuedOperationsNetOfTaxDetails" roleURI="http://www.rbs.com/role/DisclosureDiscontinuedOperationsAndAssetsAndLiabilitiesOfDisposalGroupsProfitLossFromDiscontinuedOperationsNetOfTaxDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureDiscontinuedOperationsAndAssetsAndLiabilitiesOfDisposalGroupsAssetsAndLiabilitiesOfDisposalGroupsDetailss" roleURI="http://www.rbs.com/role/DisclosureDiscontinuedOperationsAndAssetsAndLiabilitiesOfDisposalGroupsAssetsAndLiabilitiesOfDisposalGroupsDetailss" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureEarningsPerShareDetails" roleURI="http://www.rbs.com/role/DisclosureEarningsPerShareDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureFinancialInstrumentsValuationAdjustmentsDetails" roleURI="http://www.rbs.com/role/DisclosureFinancialInstrumentsValuationAdjustmentsDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureFinancialInstrumentsMaturityAnalysisContractualMaturityDetails" roleURI="http://www.rbs.com/role/DisclosureFinancialInstrumentsMaturityAnalysisContractualMaturityDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureTradingAssetsAndLiabilitiesDetails" roleURI="http://www.rbs.com/role/DisclosureTradingAssetsAndLiabilitiesDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureDerivativesHedgeIneffectivenessRecognisedDetails" roleURI="http://www.rbs.com/role/DisclosureDerivativesHedgeIneffectivenessRecognisedDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureOtherAssetsDetails" roleURI="http://www.rbs.com/role/DisclosureOtherAssetsDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureSubordinatedLiabilitiesDetails" roleURI="http://www.rbs.com/role/DisclosureSubordinatedLiabilitiesDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureOtherLiabilitiesDetails" roleURI="http://www.rbs.com/role/DisclosureOtherLiabilitiesDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureLeasesLessorLeasesAmountsRecognisedInConsolidatedIncomeStatementDetails" roleURI="http://www.rbs.com/role/DisclosureLeasesLessorLeasesAmountsRecognisedInConsolidatedIncomeStatementDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureLeasesLessorLeasesAmountReceivableUnderFinanceLeasesDetails" roleURI="http://www.rbs.com/role/DisclosureLeasesLessorLeasesAmountReceivableUnderFinanceLeasesDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureCapitalResourcesDetails" roleURI="http://www.rbs.com/role/DisclosureCapitalResourcesDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureMemorandumItemsContractualObligationsOfFutureDetails" roleURI="http://www.rbs.com/role/DisclosureMemorandumItemsContractualObligationsOfFutureDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureAnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsDetails" roleURI="http://www.rbs.com/role/DisclosureAnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureAnalysisOfCashAndCashEquivalentsDetails" roleURI="http://www.rbs.com/role/DisclosureAnalysisOfCashAndCashEquivalentsDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureDirectorsAndKeyManagementRemunerationDirectorsDetails" roleURI="http://www.rbs.com/role/DisclosureDirectorsAndKeyManagementRemunerationDirectorsDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="nwg-20211231.xsd#DisclosureDirectorsAndKeyManagementRemunerationKeyManagementDetails" roleURI="http://www.rbs.com/role/DisclosureDirectorsAndKeyManagementRemunerationKeyManagementDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <calculationLink xlink:role="http://www.rbs.com/role/StatementConsolidatedIncomeStatement" xlink:type="extended" xlink:title="00100 - Statement - Consolidated income statement" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLoss" xlink:label="ProfitLoss" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossFromContinuingOperations" xlink:label="ifrs-full_ProfitLossFromContinuingOperations_637819395693947413" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ProfitLoss" xlink:to="ifrs-full_ProfitLossFromContinuingOperations_637819395693947413" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossBeforeTax" xlink:label="ifrs-full_ProfitLossBeforeTax_637819395693947413" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_ProfitLossFromContinuingOperations_637819395693947413" xlink:to="ifrs-full_ProfitLossBeforeTax_637819395693947413" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss" xlink:label="nwg_ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss_637819395693947413" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_ProfitLossBeforeTax_637819395693947413" xlink:to="nwg_ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss_637819395693947413" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RevenueAndOperatingIncome" xlink:label="ifrs-full_RevenueAndOperatingIncome_637819395693947413" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss_637819395693947413" xlink:to="ifrs-full_RevenueAndOperatingIncome_637819395693947413" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestRevenueExpense" xlink:label="ifrs-full_InterestRevenueExpense_637819395693947413" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_RevenueAndOperatingIncome_637819395693947413" xlink:to="ifrs-full_InterestRevenueExpense_637819395693947413" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RevenueFromInterest" xlink:label="ifrs-full_RevenueFromInterest_637819395693957381" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_InterestRevenueExpense_637819395693947413" xlink:to="ifrs-full_RevenueFromInterest_637819395693957381" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestExpense" xlink:label="ifrs-full_InterestExpense_637819395693957381" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_InterestRevenueExpense_637819395693947413" xlink:to="ifrs-full_InterestExpense_637819395693957381" order="2" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NoninterestIncomeExpense" xlink:label="nwg_NoninterestIncomeExpense_637819395693957381" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_RevenueAndOperatingIncome_637819395693947413" xlink:to="nwg_NoninterestIncomeExpense_637819395693957381" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FeeAndCommissionIncome" xlink:label="ifrs-full_FeeAndCommissionIncome_637819395693957381" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NoninterestIncomeExpense_637819395693957381" xlink:to="ifrs-full_FeeAndCommissionIncome_637819395693957381" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FeeAndCommissionExpense" xlink:label="ifrs-full_FeeAndCommissionExpense_637819395693957381" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NoninterestIncomeExpense_637819395693957381" xlink:to="ifrs-full_FeeAndCommissionExpense_637819395693957381" order="2" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradingIncomeExpense" xlink:label="ifrs-full_TradingIncomeExpense_637819395693957381" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NoninterestIncomeExpense_637819395693957381" xlink:to="ifrs-full_TradingIncomeExpense_637819395693957381" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherOperatingIncomeExpense" xlink:label="ifrs-full_OtherOperatingIncomeExpense_637819395693957381" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NoninterestIncomeExpense_637819395693957381" xlink:to="ifrs-full_OtherOperatingIncomeExpense_637819395693957381" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OperatingExpense" xlink:label="ifrs-full_OperatingExpense_637819395693957381" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss_637819395693947413" xlink:to="ifrs-full_OperatingExpense_637819395693957381" order="2" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherExpenseByNature" xlink:label="ifrs-full_OtherExpenseByNature_637819395693957381" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OperatingExpense_637819395693957381" xlink:to="ifrs-full_OtherExpenseByNature_637819395693957381" order="1" use="optional" weight="1" priority="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DepreciationAndAmortisationAndImpairmentOfOtherIntangibleAssets" xlink:label="nwg_DepreciationAndAmortisationAndImpairmentOfOtherIntangibleAssets_637819395693967207" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OperatingExpense_637819395693957381" xlink:to="nwg_DepreciationAndAmortisationAndImpairmentOfOtherIntangibleAssets_637819395693967207" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EmployeeBenefitsExpense" xlink:label="ifrs-full_EmployeeBenefitsExpense_637819395693967207" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OperatingExpense_637819395693957381" xlink:to="ifrs-full_EmployeeBenefitsExpense_637819395693967207" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PremisesAndEquipmentExpense" xlink:label="nwg_PremisesAndEquipmentExpense_637819395693967207" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OperatingExpense_637819395693957381" xlink:to="nwg_PremisesAndEquipmentExpense_637819395693967207" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:label="ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_637819395693967207" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_ProfitLossBeforeTax_637819395693947413" xlink:to="ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_637819395693967207" order="2" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:label="ifrs-full_IncomeTaxExpenseContinuingOperations_637819395693967207" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_ProfitLossFromContinuingOperations_637819395693947413" xlink:to="ifrs-full_IncomeTaxExpenseContinuingOperations_637819395693967207" order="2" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:label="ifrs-full_ProfitLossFromDiscontinuedOperations_637819395693967207" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ProfitLoss" xlink:to="ifrs-full_ProfitLossFromDiscontinuedOperations_637819395693967207" order="2" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/StatementConsolidatedIncomeStatementCalc2" xlink:type="extended" xlink:title="00100 - Statement - Consolidated income statement (Calc 2)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLoss" xlink:label="ProfitLoss" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:label="ifrs-full_ProfitLossAttributableToNoncontrollingInterests_637819395693967207" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ProfitLoss" xlink:to="ifrs-full_ProfitLossAttributableToNoncontrollingInterests_637819395693967207" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProfitLossAttributableToPaidInEquityHoldersOfParentEntity" xlink:label="nwg_ProfitLossAttributableToPaidInEquityHoldersOfParentEntity_637819395693977120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ProfitLoss" xlink:to="nwg_ProfitLossAttributableToPaidInEquityHoldersOfParentEntity_637819395693977120" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProfitLossAttributableToPreferredEquityHoldersOfParentEntity" xlink:label="nwg_ProfitLossAttributableToPreferredEquityHoldersOfParentEntity_637819395693977120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ProfitLoss" xlink:to="nwg_ProfitLossAttributableToPreferredEquityHoldersOfParentEntity_637819395693977120" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:label="ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity_637819395693977120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ProfitLoss" xlink:to="ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity_637819395693977120" order="4" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/StatementConsolidatedStatementOfComprehensiveIncome" xlink:type="extended" xlink:title="00200 - Statement - Consolidated statement of comprehensive income" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ComprehensiveIncome" xlink:label="ComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLoss" xlink:label="ifrs-full_ProfitLoss_637819395693977120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ComprehensiveIncome" xlink:to="ifrs-full_ProfitLoss_637819395693977120" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherComprehensiveIncome" xlink:label="ifrs-full_OtherComprehensiveIncome_637819395693977120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ComprehensiveIncome" xlink:to="ifrs-full_OtherComprehensiveIncome_637819395693977120" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:label="ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax_637819395693977120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherComprehensiveIncome_637819395693977120" xlink:to="ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax_637819395693977120" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:label="ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments_637819395693977120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax_637819395693977120" xlink:to="ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments_637819395693977120" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherComprehensiveIncomeBeforeTaxGainsLossesOnOtherMovementsInDefinedBenefitPlans" xlink:label="nwg_OtherComprehensiveIncomeBeforeTaxGainsLossesOnOtherMovementsInDefinedBenefitPlans_637819395693986806" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax_637819395693977120" xlink:to="nwg_OtherComprehensiveIncomeBeforeTaxGainsLossesOnOtherMovementsInDefinedBenefitPlans_637819395693986806" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:label="ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability_637819395693986806" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax_637819395693977120" xlink:to="ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability_637819395693986806" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:label="ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss_637819395693986806" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax_637819395693977120" xlink:to="ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss_637819395693986806" order="4" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:label="ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax_637819395693986806" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherComprehensiveIncome_637819395693977120" xlink:to="ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax_637819395693986806" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:label="ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_637819395693986806" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax_637819395693986806" xlink:to="ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_637819395693986806" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:label="ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges_637819395693986806" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax_637819395693986806" xlink:to="ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges_637819395693986806" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:label="ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation_637819395693986806" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax_637819395693986806" xlink:to="ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation_637819395693986806" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" xlink:label="ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss_637819395693986806" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax_637819395693986806" xlink:to="ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss_637819395693986806" order="4" use="optional" weight="-1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/StatementConsolidatedStatementOfComprehensiveIncomeCalc2" xlink:type="extended" xlink:title="00201 - Statement - Consolidated statement of comprehensive income (Calc2)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ComprehensiveIncome" xlink:label="ComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:label="ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests_637819395693997120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ComprehensiveIncome" xlink:to="ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests_637819395693997120" order="1" use="optional" weight="1" priority="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ComprehensiveIncomeAttributableToPreferredEquityHoldersOfParentEntity" xlink:label="nwg_ComprehensiveIncomeAttributableToPreferredEquityHoldersOfParentEntity_637819395693997120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ComprehensiveIncome" xlink:to="nwg_ComprehensiveIncomeAttributableToPreferredEquityHoldersOfParentEntity_637819395693997120" order="2" use="optional" weight="1" priority="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ComprehensiveIncomeAttributableToPaidInEquityHoldersOfParentEntity" xlink:label="nwg_ComprehensiveIncomeAttributableToPaidInEquityHoldersOfParentEntity_637819395693997120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ComprehensiveIncome" xlink:to="nwg_ComprehensiveIncomeAttributableToPaidInEquityHoldersOfParentEntity_637819395693997120" order="3" use="optional" weight="1" priority="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ComprehensiveIncomeAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:label="nwg_ComprehensiveIncomeAttributableToOrdinaryEquityHoldersOfParentEntity_637819395693997120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ComprehensiveIncome" xlink:to="nwg_ComprehensiveIncomeAttributableToOrdinaryEquityHoldersOfParentEntity_637819395693997120" order="4" use="optional" weight="1" priority="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/StatementConsolidatedBalanceSheet" xlink:type="extended" xlink:title="00300 - Statement - Consolidated balance sheet" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Assets" xlink:label="Assets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:label="ifrs-full_CashAndBankBalancesAtCentralBanks_637819395693997120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="ifrs-full_CashAndBankBalancesAtCentralBanks_637819395693997120" order="1" use="optional" weight="1" priority="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingAssets" xlink:label="nwg_TradingAssets_637819395693997120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="nwg_TradingAssets_637819395693997120" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DerivativeFinancialAssets" xlink:label="ifrs-full_DerivativeFinancialAssets_637819395693997120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="ifrs-full_DerivativeFinancialAssets_637819395693997120" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradeReceivables" xlink:label="ifrs-full_TradeReceivables_637819395693997120" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="ifrs-full_TradeReceivables_637819395693997120" order="4" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LoansAndAdvancesToBanks" xlink:label="ifrs-full_LoansAndAdvancesToBanks_637819395694007185" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="ifrs-full_LoansAndAdvancesToBanks_637819395694007185" order="5" use="optional" weight="1" priority="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LoansAndAdvancesToCustomers" xlink:label="ifrs-full_LoansAndAdvancesToCustomers_637819395694007185" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="ifrs-full_LoansAndAdvancesToCustomers_637819395694007185" order="6" use="optional" weight="1" priority="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IntangibleAssetsAndGoodwill" xlink:label="ifrs-full_IntangibleAssetsAndGoodwill_637819395694007185" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="ifrs-full_IntangibleAssetsAndGoodwill_637819395694007185" order="7" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherFinancialAssets" xlink:label="ifrs-full_OtherFinancialAssets_637819395694007185" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="ifrs-full_OtherFinancialAssets_637819395694007185" order="8" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SecuritiesHeldSubjectToRepurchaseAgreement" xlink:label="nwg_SecuritiesHeldSubjectToRepurchaseAgreement_637819395694007185" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherFinancialAssets_637819395694007185" xlink:to="nwg_SecuritiesHeldSubjectToRepurchaseAgreement_637819395694007185" order="1" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements" xlink:label="nwg_OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements_637819395694007185" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherFinancialAssets_637819395694007185" xlink:to="nwg_OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements_637819395694007185" order="2" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherAssets" xlink:label="ifrs-full_OtherAssets_637819395694007185" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="ifrs-full_OtherAssets_637819395694007185" order="9" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:label="ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_637819395694007185" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_637819395694007185" order="10" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EquityAndLiabilities" xlink:label="EquityAndLiabilities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Liabilities" xlink:label="ifrs-full_Liabilities_637819395694007185" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="EquityAndLiabilities" xlink:to="ifrs-full_Liabilities_637819395694007185" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DepositsFromBanks" xlink:label="ifrs-full_DepositsFromBanks_637819395694017169" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_Liabilities_637819395694007185" xlink:to="ifrs-full_DepositsFromBanks_637819395694017169" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DepositsFromCustomers" xlink:label="ifrs-full_DepositsFromCustomers_637819395694017169" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_Liabilities_637819395694007185" xlink:to="ifrs-full_DepositsFromCustomers_637819395694017169" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradeAndOtherPayables" xlink:label="ifrs-full_TradeAndOtherPayables_637819395694017169" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_Liabilities_637819395694007185" xlink:to="ifrs-full_TradeAndOtherPayables_637819395694017169" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsTradingLiabilities" xlink:label="nwg_IfrsTradingLiabilities_637819395694017169" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_Liabilities_637819395694007185" xlink:to="nwg_IfrsTradingLiabilities_637819395694017169" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrentNotesAndDebenturesIssuedAndCurrentPortionOfNoncurrentNotesAndDebenturesIssued" xlink:label="ifrs-full_CurrentNotesAndDebenturesIssuedAndCurrentPortionOfNoncurrentNotesAndDebenturesIssued_637819395694017169" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_Liabilities_637819395694007185" xlink:to="ifrs-full_CurrentNotesAndDebenturesIssuedAndCurrentPortionOfNoncurrentNotesAndDebenturesIssued_637819395694017169" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DerivativeFinancialLiabilities" xlink:label="ifrs-full_DerivativeFinancialLiabilities_637819395694017169" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_Liabilities_637819395694007185" xlink:to="ifrs-full_DerivativeFinancialLiabilities_637819395694017169" order="6" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherFinancialLiabilities" xlink:label="ifrs-full_OtherFinancialLiabilities_637819395694017169" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_Liabilities_637819395694007185" xlink:to="ifrs-full_OtherFinancialLiabilities_637819395694017169" order="7" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SubordinatedLiabilities" xlink:label="ifrs-full_SubordinatedLiabilities_637819395694027191" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_Liabilities_637819395694007185" xlink:to="ifrs-full_SubordinatedLiabilities_637819395694027191" order="8" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherLiabilities" xlink:label="ifrs-full_OtherLiabilities_637819395694027191" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_Liabilities_637819395694007185" xlink:to="ifrs-full_OtherLiabilities_637819395694027191" order="9" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Equity" xlink:label="ifrs-full_Equity_637819395694027191" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="EquityAndLiabilities" xlink:to="ifrs-full_Equity_637819395694027191" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EquityAttributableToOwnersOfParent" xlink:label="ifrs-full_EquityAttributableToOwnersOfParent_637819395694027191" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_Equity_637819395694027191" xlink:to="ifrs-full_EquityAttributableToOwnersOfParent_637819395694027191" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OrdinaryShareholders" xlink:label="nwg_OrdinaryShareholders_637819395694027191" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_EquityAttributableToOwnersOfParent_637819395694027191" xlink:to="nwg_OrdinaryShareholders_637819395694027191" order="1" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherEquityOwners" xlink:label="nwg_OtherEquityOwners_637819395694027191" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_EquityAttributableToOwnersOfParent_637819395694027191" xlink:to="nwg_OtherEquityOwners_637819395694027191" order="2" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NoncontrollingInterests" xlink:label="ifrs-full_NoncontrollingInterests_637819395694037157" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_Equity_637819395694027191" xlink:to="ifrs-full_NoncontrollingInterests_637819395694037157" order="2" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/StatementConsolidatedCashFlowStatement" xlink:type="extended" xlink:title="00500 - Statement - Consolidated cash flow statement" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:label="IncreaseDecreaseInCashAndCashEquivalents" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivities_637819395694037157" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="IncreaseDecreaseInCashAndCashEquivalents" xlink:to="ifrs-full_CashFlowsFromUsedInOperatingActivities_637819395694037157" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:label="ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities_637819395694037157" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivities_637819395694037157" xlink:to="ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities_637819395694037157" order="1" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet" xlink:label="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivities_637819395694037157" xlink:to="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" order="2" use="optional" weight="-1" priority="4" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets_637819395694037157" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets_637819395694037157" order="1" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForDecreaseIncreaseInAssetsOfDisposalGroups" xlink:label="nwg_AdjustmentsForDecreaseIncreaseInAssetsOfDisposalGroups_637819395694037157" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="nwg_AdjustmentsForDecreaseIncreaseInAssetsOfDisposalGroups_637819395694037157" order="2" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncreaseDecreaseInNotesInCirculation" xlink:label="nwg_IncreaseDecreaseInNotesInCirculation_637819395694037157" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="nwg_IncreaseDecreaseInNotesInCirculation_637819395694037157" order="3" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks_637819395694037157" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks_637819395694037157" order="4" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers_637819395694047321" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers_637819395694047321" order="5" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading_637819395694047321" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading_637819395694047321" order="6" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInDerivativeFinancialAssets" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInDerivativeFinancialAssets_637819395694047321" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInDerivativeFinancialAssets_637819395694047321" order="7" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables_637819395694047321" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables_637819395694047321" order="8" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForDecreaseIncreaseInOtherFinancialAssets" xlink:label="nwg_AdjustmentsForDecreaseIncreaseInOtherFinancialAssets_637819395694047321" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="nwg_AdjustmentsForDecreaseIncreaseInOtherFinancialAssets_637819395694047321" order="9" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks_637819395694047321" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks_637819395694047321" order="10" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers_637819395694047321" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers_637819395694047321" order="11" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading_637819395694047321" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading_637819395694047321" order="12" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInDerivativeFinancialLiabilities" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDerivativeFinancialLiabilities_637819395694057410" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInDerivativeFinancialLiabilities_637819395694057410" order="13" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInTradeAndOtherPayables" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInTradeAndOtherPayables_637819395694057410" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInTradeAndOtherPayables_637819395694057410" order="14" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities_637819395694057410" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities_637819395694057410" order="15" use="optional" weight="-1" priority="4" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities" xlink:label="nwg_AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities_637819395694057410" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_637819395694037157" xlink:to="nwg_AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities_637819395694057410" order="16" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetCashInflowOutflowFromTradingActivities" xlink:label="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivities_637819395694037157" xlink:to="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" order="3" use="optional" weight="1" priority="6" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OperatingProfitLossFromContinuingOperationsBeforeTax" xlink:label="nwg_OperatingProfitLossFromContinuingOperationsBeforeTax_637819395694057410" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="nwg_OperatingProfitLossFromContinuingOperationsBeforeTax_637819395694057410" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OperatingProfitLossBeforeTaxFromDiscontinuedOperations" xlink:label="nwg_OperatingProfitLossBeforeTaxFromDiscontinuedOperations_637819395694067135" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="nwg_OperatingProfitLossBeforeTaxFromDiscontinuedOperations_637819395694067135" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForAmortizationOfDiscountsAndPremiumsOfOtherFinancialAssets" xlink:label="nwg_AdjustmentsForAmortizationOfDiscountsAndPremiumsOfOtherFinancialAssets_637819395694067135" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="nwg_AdjustmentsForAmortizationOfDiscountsAndPremiumsOfOtherFinancialAssets_637819395694067135" order="3" use="optional" weight="1" priority="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossOfAssetsOtherThanFinancialAssetsRecognisedInProfitOrLoss" xlink:label="nwg_AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossOfAssetsOtherThanFinancialAssetsRecognisedInProfitOrLoss_637819395694067135" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="nwg_AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossOfAssetsOtherThanFinancialAssetsRecognisedInProfitOrLoss_637819395694067135" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForChangeInFairValueOfOtherFinancialLiabilitiesAndSubordinatedLiabilities" xlink:label="nwg_AdjustmentsForChangeInFairValueOfOtherFinancialLiabilitiesAndSubordinatedLiabilities_637819395694067135" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="nwg_AdjustmentsForChangeInFairValueOfOtherFinancialLiabilitiesAndSubordinatedLiabilities_637819395694067135" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncomeReceivableFromOtherFinancialAssets" xlink:label="nwg_IncomeReceivableFromOtherFinancialAssets_637819395694067135" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="nwg_IncomeReceivableFromOtherFinancialAssets_637819395694067135" order="6" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LossGainOnSaleOfOtherAssetsAndNetLiabilities" xlink:label="nwg_LossGainOnSaleOfOtherAssetsAndNetLiabilities_637819395694067135" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="nwg_LossGainOnSaleOfOtherAssetsAndNetLiabilities_637819395694067135" order="7" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InterestOnMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" xlink:label="nwg_InterestOnMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities_637819395694067135" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="nwg_InterestOnMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities_637819395694067135" order="8" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProfitOnSaleOfMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" xlink:label="nwg_ProfitOnSaleOfMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities_637819395694077479" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="nwg_ProfitOnSaleOfMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities_637819395694077479" order="9" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:label="ifrs-full_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociates_637819395694077479" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="ifrs-full_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociates_637819395694077479" order="10" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInEmployeeBenefitLiabilities" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInEmployeeBenefitLiabilities_637819395694077479" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInEmployeeBenefitLiabilities_637819395694077479" order="11" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForProvisions" xlink:label="ifrs-full_AdjustmentsForProvisions_637819395694077479" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="ifrs-full_AdjustmentsForProvisions_637819395694077479" order="12" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" xlink:label="ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss_637819395694086822" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss_637819395694086822" order="13" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForReconcileProfitLoss" xlink:label="ifrs-full_AdjustmentsForReconcileProfitLoss_637819395694086822" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="ifrs-full_AdjustmentsForReconcileProfitLoss_637819395694086822" order="14" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForGainLossOnDisposalsOtherFinancialAssets" xlink:label="nwg_AdjustmentsForGainLossOnDisposalsOtherFinancialAssets_637819395694086822" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="nwg_AdjustmentsForGainLossOnDisposalsOtherFinancialAssets_637819395694086822" order="15" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:label="ifrs-full_AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_637819395694086822" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="ifrs-full_AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_637819395694086822" order="16" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForChangeInFairValueOfOtherFinancialAssets" xlink:label="nwg_AdjustmentsForChangeInFairValueOfOtherFinancialAssets_637819395694086822" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="nwg_AdjustmentsForChangeInFairValueOfOtherFinancialAssets_637819395694086822" order="17" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod" xlink:label="ifrs-full_ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod_637819395694086822" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetCashInflowOutflowFromTradingActivities_637819395694057410" xlink:to="ifrs-full_ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod_637819395694086822" order="18" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInInvestingActivities_637819395694097083" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="IncreaseDecreaseInCashAndCashEquivalents" xlink:to="ifrs-full_CashFlowsFromUsedInInvestingActivities_637819395694097083" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProceedsFromDisposalOrMaturityOfOtherFinancialAssets" xlink:label="nwg_ProceedsFromDisposalOrMaturityOfOtherFinancialAssets_637819395694097083" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivities_637819395694097083" xlink:to="nwg_ProceedsFromDisposalOrMaturityOfOtherFinancialAssets_637819395694097083" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PurchaseOfOtherFinancialAssets" xlink:label="nwg_PurchaseOfOtherFinancialAssets_637819395694097083" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivities_637819395694097083" xlink:to="nwg_PurchaseOfOtherFinancialAssets_637819395694097083" order="2" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:label="ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_637819395694097083" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivities_637819395694097083" xlink:to="ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_637819395694097083" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:label="ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_637819395694097083" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivities_637819395694097083" xlink:to="ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_637819395694097083" order="4" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestReceivedClassifiedAsInvestingActivities" xlink:label="ifrs-full_InterestReceivedClassifiedAsInvestingActivities_637819395694097083" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivities_637819395694097083" xlink:to="ifrs-full_InterestReceivedClassifiedAsInvestingActivities_637819395694097083" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets" xlink:label="nwg_CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets_637819395694107158" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivities_637819395694097083" xlink:to="nwg_CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets_637819395694107158" order="6" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInFinancingActivities_637819395694107158" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="IncreaseDecreaseInCashAndCashEquivalents" xlink:to="ifrs-full_CashFlowsFromUsedInFinancingActivities_637819395694107158" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProceedsFromIssuingShares" xlink:label="ifrs-full_ProceedsFromIssuingShares_637819395694107158" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivities_637819395694107158" xlink:to="ifrs-full_ProceedsFromIssuingShares_637819395694107158" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities" xlink:label="nwg_ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities_637819395694107158" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivities_637819395694107158" xlink:to="nwg_ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities_637819395694107158" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProceedsFromRepaymentsOfSubordinatedLiabilities" xlink:label="nwg_ProceedsFromRepaymentsOfSubordinatedLiabilities_637819395694107158" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivities_637819395694107158" xlink:to="nwg_ProceedsFromRepaymentsOfSubordinatedLiabilities_637819395694107158" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:label="ifrs-full_DividendsPaidClassifiedAsFinancingActivities_637819395694117247" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivities_637819395694107158" xlink:to="ifrs-full_DividendsPaidClassifiedAsFinancingActivities_637819395694117247" order="4" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProceedsFromIssuingOtherEquityInstruments" xlink:label="ifrs-full_ProceedsFromIssuingOtherEquityInstruments_637819395694117247" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivities_637819395694107158" xlink:to="ifrs-full_ProceedsFromIssuingOtherEquityInstruments_637819395694117247" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PaymentForShareCancellation" xlink:label="nwg_PaymentForShareCancellation_637819395694117247" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivities_637819395694107158" xlink:to="nwg_PaymentForShareCancellation_637819395694117247" order="6" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:label="ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents_637819395694117247" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="IncreaseDecreaseInCashAndCashEquivalents" xlink:to="ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents_637819395694117247" order="4" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureNetInterestIncomeDetails" xlink:type="extended" xlink:title="40101 - Disclosure - Net interest income (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestExpense" xlink:label="InterestExpense" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestExpenseOnDepositsFromBanks" xlink:label="ifrs-full_InterestExpenseOnDepositsFromBanks_637819395694127246" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestExpense" xlink:to="ifrs-full_InterestExpenseOnDepositsFromBanks_637819395694127246" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestExpenseOnOtherFinancialLiabilities" xlink:label="ifrs-full_InterestExpenseOnOtherFinancialLiabilities_637819395694127246" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestExpense" xlink:to="ifrs-full_InterestExpenseOnOtherFinancialLiabilities_637819395694127246" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InterestExpenseOnCustomerDeposits" xlink:label="nwg_InterestExpenseOnCustomerDeposits_637819395694127246" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestExpense" xlink:to="nwg_InterestExpenseOnCustomerDeposits_637819395694127246" order="3" use="optional" weight="1" priority="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading" xlink:label="ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading_637819395694127246" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestExpense" xlink:to="ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading_637819395694127246" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InterestExpenseOnSubordinatedLiabilities" xlink:label="nwg_InterestExpenseOnSubordinatedLiabilities_637819395694127246" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestExpense" xlink:to="nwg_InterestExpenseOnSubordinatedLiabilities_637819395694127246" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RevenueFromInterest" xlink:label="RevenueFromInterest" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestIncomeOnCashAndBankBalancesAtCentralBanks" xlink:label="ifrs-full_InterestIncomeOnCashAndBankBalancesAtCentralBanks_637819395694127246" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="RevenueFromInterest" xlink:to="ifrs-full_InterestIncomeOnCashAndBankBalancesAtCentralBanks_637819395694127246" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestIncomeOnLoansAndAdvancesToBanks" xlink:label="ifrs-full_InterestIncomeOnLoansAndAdvancesToBanks_637819395694137323" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="RevenueFromInterest" xlink:to="ifrs-full_InterestIncomeOnLoansAndAdvancesToBanks_637819395694137323" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestIncomeOnOtherFinancialAssets" xlink:label="ifrs-full_InterestIncomeOnOtherFinancialAssets_637819395694137323" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="RevenueFromInterest" xlink:to="ifrs-full_InterestIncomeOnOtherFinancialAssets_637819395694137323" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers" xlink:label="ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers_637819395694137323" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="RevenueFromInterest" xlink:to="ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers_637819395694137323" order="4" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureNonInterestIncomeDetails" xlink:type="extended" xlink:title="40201 - Disclosure - Non-interest income (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NonInterestIncomeExpense" xlink:label="NonInterestIncomeExpense" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradingIncomeExpense" xlink:label="ifrs-full_TradingIncomeExpense_637819395694137323" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NonInterestIncomeExpense" xlink:to="ifrs-full_TradingIncomeExpense_637819395694137323" order="1" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DebtSecuritiesInterestIncome" xlink:label="nwg_DebtSecuritiesInterestIncome_637819395694137323" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_TradingIncomeExpense_637819395694137323" xlink:to="nwg_DebtSecuritiesInterestIncome_637819395694137323" order="1" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DerivativeFinancialLiabilitiesInterestIncome" xlink:label="nwg_DerivativeFinancialLiabilitiesInterestIncome_637819395694137323" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_TradingIncomeExpense_637819395694137323" xlink:to="nwg_DerivativeFinancialLiabilitiesInterestIncome_637819395694137323" order="2" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradingIncomeExpenseOnEquityInstruments" xlink:label="ifrs-full_TradingIncomeExpenseOnEquityInstruments_637819395694137323" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_TradingIncomeExpense_637819395694137323" xlink:to="ifrs-full_TradingIncomeExpenseOnEquityInstruments_637819395694137323" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradingIncomeExpenseOnForeignExchangeContracts" xlink:label="ifrs-full_TradingIncomeExpenseOnForeignExchangeContracts_637819395694137323" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_TradingIncomeExpense_637819395694137323" xlink:to="ifrs-full_TradingIncomeExpenseOnForeignExchangeContracts_637819395694137323" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingIncomeExpenseOnCredit" xlink:label="nwg_TradingIncomeExpenseOnCredit_637819395694147235" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_TradingIncomeExpense_637819395694137323" xlink:to="nwg_TradingIncomeExpenseOnCredit_637819395694147235" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingIncomeExpenseOnInterestRate" xlink:label="nwg_TradingIncomeExpenseOnInterestRate_637819395694147235" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_TradingIncomeExpense_637819395694137323" xlink:to="nwg_TradingIncomeExpenseOnInterestRate_637819395694147235" order="6" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FeeAndCommissionIncomeExpense" xlink:label="ifrs-full_FeeAndCommissionIncomeExpense_637819395694147235" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NonInterestIncomeExpense" xlink:to="ifrs-full_FeeAndCommissionIncomeExpense_637819395694147235" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherOperatingIncomeExpense" xlink:label="ifrs-full_OtherOperatingIncomeExpense_637819395694147235" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NonInterestIncomeExpense" xlink:to="ifrs-full_OtherOperatingIncomeExpense_637819395694147235" order="3" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates" xlink:label="nwg_GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates_637819395694147235" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherOperatingIncomeExpense_637819395694147235" xlink:to="nwg_GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates_637819395694147235" order="1" use="optional" weight="1" priority="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss_637819395694147235" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherOperatingIncomeExpense_637819395694147235" xlink:to="ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss_637819395694147235" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainLossOnHedgeIneffectiveness" xlink:label="ifrs-full_GainLossOnHedgeIneffectiveness_637819395694147235" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherOperatingIncomeExpense_637819395694147235" xlink:to="ifrs-full_GainLossOnHedgeIneffectiveness_637819395694147235" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsGainsLossesOnExtinguishmentOfDebt" xlink:label="nwg_IfrsGainsLossesOnExtinguishmentOfDebt_637819395694157474" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherOperatingIncomeExpense_637819395694147235" xlink:to="nwg_IfrsGainsLossesOnExtinguishmentOfDebt_637819395694157474" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities" xlink:label="nwg_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities_637819395694157474" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherOperatingIncomeExpense_637819395694147235" xlink:to="nwg_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities_637819395694157474" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment" xlink:label="ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment_637819395694157474" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherOperatingIncomeExpense_637819395694147235" xlink:to="ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment_637819395694157474" order="6" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost" xlink:label="ifrs-full_GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost_637819395694157474" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherOperatingIncomeExpense_637819395694147235" xlink:to="ifrs-full_GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost_637819395694157474" order="7" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_637819395694157474" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherOperatingIncomeExpense_637819395694147235" xlink:to="ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_637819395694157474" order="8" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OperatingLeaseAndOtherRentalIncome" xlink:label="nwg_OperatingLeaseAndOtherRentalIncome_637819395694157474" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherOperatingIncomeExpense_637819395694147235" xlink:to="nwg_OperatingLeaseAndOtherRentalIncome_637819395694157474" order="9" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsOtherIncomeExpense" xlink:label="nwg_IfrsOtherIncomeExpense_637819395694167180" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherOperatingIncomeExpense_637819395694147235" xlink:to="nwg_IfrsOtherIncomeExpense_637819395694167180" order="10" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod" xlink:label="ifrs-full_ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod_637819395694167180" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_OtherOperatingIncomeExpense_637819395694147235" xlink:to="ifrs-full_ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod_637819395694167180" order="11" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureOperatingExpensesDetails" xlink:type="extended" xlink:title="40301 - Disclosure - Operating expenses (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OperatingExpense" xlink:label="OperatingExpense" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EmployeeBenefitsExpense" xlink:label="ifrs-full_EmployeeBenefitsExpense_637819395694167180" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OperatingExpense" xlink:to="ifrs-full_EmployeeBenefitsExpense_637819395694167180" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_WagesAndSalaries" xlink:label="ifrs-full_WagesAndSalaries_637819395694167180" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_EmployeeBenefitsExpense_637819395694167180" xlink:to="ifrs-full_WagesAndSalaries_637819395694167180" order="1" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsChargedToProfitAndLoss" xlink:label="nwg_BonusAwardsChargedToProfitAndLoss_637819395694167180" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_EmployeeBenefitsExpense_637819395694167180" xlink:to="nwg_BonusAwardsChargedToProfitAndLoss_637819395694167180" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherShorttermEmployeeBenefits" xlink:label="ifrs-full_OtherShorttermEmployeeBenefits_637819395694167180" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_EmployeeBenefitsExpense_637819395694167180" xlink:to="ifrs-full_OtherShorttermEmployeeBenefits_637819395694167180" order="3" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SocialSecurityContributions" xlink:label="ifrs-full_SocialSecurityContributions_637819395694167180" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_EmployeeBenefitsExpense_637819395694167180" xlink:to="ifrs-full_SocialSecurityContributions_637819395694167180" order="4" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:label="ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans_637819395694177094" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_EmployeeBenefitsExpense_637819395694167180" xlink:to="ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans_637819395694177094" order="5" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:label="ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans_637819395694177094" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_EmployeeBenefitsExpense_637819395694167180" xlink:to="ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans_637819395694177094" order="6" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherEmployeeExpense" xlink:label="ifrs-full_OtherEmployeeExpense_637819395694177094" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_EmployeeBenefitsExpense_637819395694167180" xlink:to="ifrs-full_OtherEmployeeExpense_637819395694177094" order="7" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BankLevy" xlink:label="nwg_BankLevy_637819395694177094" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OperatingExpense" xlink:to="nwg_BankLevy_637819395694177094" order="2" use="optional" weight="1" priority="4" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PremisesAndEquipmentExpense" xlink:label="nwg_PremisesAndEquipmentExpense_637819395694177094" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OperatingExpense" xlink:to="nwg_PremisesAndEquipmentExpense_637819395694177094" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherAdministrativeExpenseExcludingBankLevy" xlink:label="nwg_OtherAdministrativeExpenseExcludingBankLevy_637819395694177094" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OperatingExpense" xlink:to="nwg_OtherAdministrativeExpenseExcludingBankLevy_637819395694177094" order="4" use="optional" weight="1" priority="4" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DepreciationAndAmortisationExpense" xlink:label="ifrs-full_DepreciationAndAmortisationExpense_637819395694177094" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OperatingExpense" xlink:to="ifrs-full_DepreciationAndAmortisationExpense_637819395694177094" order="5" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" xlink:label="ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill_637819395694177094" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OperatingExpense" xlink:to="ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill_637819395694177094" order="6" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureOperatingExpensesBonusAwardsReconciliationDetails" xlink:type="extended" xlink:title="40305 - Disclosure - Operating expenses - Bonus awards reconciliation (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsChargedToProfitAndLoss" xlink:label="BonusAwardsChargedToProfitAndLoss" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsChargedToProfitAndLossDeferredFromPriorYears" xlink:label="nwg_BonusAwardsChargedToProfitAndLossDeferredFromPriorYears_637819395694186889" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="BonusAwardsChargedToProfitAndLoss" xlink:to="nwg_BonusAwardsChargedToProfitAndLossDeferredFromPriorYears_637819395694186889" order="1" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsCurrentYearChargeDeferredFromPriorYears" xlink:label="nwg_BonusAwardsCurrentYearChargeDeferredFromPriorYears_637819395694186889" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_BonusAwardsChargedToProfitAndLossDeferredFromPriorYears_637819395694186889" xlink:to="nwg_BonusAwardsCurrentYearChargeDeferredFromPriorYears_637819395694186889" order="1" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsForfeitureOfAmountsDeferredFromPriorYears" xlink:label="nwg_BonusAwardsForfeitureOfAmountsDeferredFromPriorYears_637819395694186889" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_BonusAwardsChargedToProfitAndLossDeferredFromPriorYears_637819395694186889" xlink:to="nwg_BonusAwardsForfeitureOfAmountsDeferredFromPriorYears_637819395694186889" order="2" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsChargedToProfitAndLossAwardedInCurrentYear" xlink:label="nwg_BonusAwardsChargedToProfitAndLossAwardedInCurrentYear_637819395694186889" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="BonusAwardsChargedToProfitAndLoss" xlink:to="nwg_BonusAwardsChargedToProfitAndLossAwardedInCurrentYear_637819395694186889" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwards" xlink:label="nwg_BonusAwards_637819395694186889" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_BonusAwardsChargedToProfitAndLossAwardedInCurrentYear_637819395694186889" xlink:to="nwg_BonusAwards_637819395694186889" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeferralChargesForAmountsAwardedForCurrentYear" xlink:label="nwg_DeferralChargesForAmountsAwardedForCurrentYear_637819395694186889" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_BonusAwardsChargedToProfitAndLossAwardedInCurrentYear_637819395694186889" xlink:to="nwg_DeferralChargesForAmountsAwardedForCurrentYear_637819395694186889" order="2" use="optional" weight="-1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureOperatingExpensesBonusAwardsActualAndExpectedDetails" xlink:type="extended" xlink:title="40306 - Disclosure - Operating expenses - Bonus awards - Actual and Expected (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" xlink:label="BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsDeferredFromPriorYear" xlink:label="nwg_BonusAwardsDeferredFromPriorYear_637819395694186889" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" xlink:to="nwg_BonusAwardsDeferredFromPriorYear_637819395694186889" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsDeferredCurrentYear" xlink:label="nwg_BonusAwardsDeferredCurrentYear_637819395694197163" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" xlink:to="nwg_BonusAwardsDeferredCurrentYear_637819395694197163" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsForfeitureAmountsDeferredFromPriorYears" xlink:label="nwg_BonusAwardsForfeitureAmountsDeferredFromPriorYears_637819395694197163" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" xlink:to="nwg_BonusAwardsForfeitureAmountsDeferredFromPriorYears_637819395694197163" order="3" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsDeferredPriorYearTwoAndEarlier" xlink:label="nwg_BonusAwardsDeferredPriorYearTwoAndEarlier_637819395694197163" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" xlink:to="nwg_BonusAwardsDeferredPriorYearTwoAndEarlier_637819395694197163" order="4" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureSegmentalAnalysisOperatingProfitLossBeforeTaxDetail" xlink:type="extended" xlink:title="40401 - Disclosure - Segmental analysis - Operating profit/(loss) before tax (Detail)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossBeforeTax" xlink:label="ProfitLossBeforeTax" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:label="ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_637819395694197163" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ProfitLossBeforeTax" xlink:to="ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_637819395694197163" order="1" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherOperatingExpenses" xlink:label="nwg_OtherOperatingExpenses_637819395694197163" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ProfitLossBeforeTax" xlink:to="nwg_OtherOperatingExpenses_637819395694197163" order="2" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OperatingExpensesExcludingDepreciationAmortisationAndImpairmentLosses" xlink:label="nwg_OperatingExpensesExcludingDepreciationAmortisationAndImpairmentLosses_637819395694197163" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ProfitLossBeforeTax" xlink:to="nwg_OperatingExpensesExcludingDepreciationAmortisationAndImpairmentLosses_637819395694197163" order="3" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DepreciationAndAmortisationExpense" xlink:label="ifrs-full_DepreciationAndAmortisationExpense_637819395694197163" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ProfitLossBeforeTax" xlink:to="ifrs-full_DepreciationAndAmortisationExpense_637819395694197163" order="4" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RevenueAndOperatingIncome" xlink:label="ifrs-full_RevenueAndOperatingIncome_637819395694197163" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ProfitLossBeforeTax" xlink:to="ifrs-full_RevenueAndOperatingIncome_637819395694197163" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FeeAndCommissionIncomeExpense" xlink:label="ifrs-full_FeeAndCommissionIncomeExpense_637819395694197163" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_RevenueAndOperatingIncome_637819395694197163" xlink:to="ifrs-full_FeeAndCommissionIncomeExpense_637819395694197163" order="1" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestRevenueExpense" xlink:label="ifrs-full_InterestRevenueExpense_637819395694207122" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_RevenueAndOperatingIncome_637819395694197163" xlink:to="ifrs-full_InterestRevenueExpense_637819395694207122" order="2" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherNonInterestIncome" xlink:label="nwg_OtherNonInterestIncome_637819395694207122" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_RevenueAndOperatingIncome_637819395694197163" xlink:to="nwg_OtherNonInterestIncome_637819395694207122" order="3" use="optional" weight="1" priority="3" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureSegmentalAnalysisNetFeesAndCommissionsDetails" xlink:type="extended" xlink:title="40403 - Disclosure - Segmental analysis - Net fees and commissions (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FeeAndCommissionIncomeExpense" xlink:label="FeeAndCommissionIncomeExpense" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FeeAndCommissionIncome" xlink:label="ifrs-full_FeeAndCommissionIncome_637819395694207122" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FeeAndCommissionIncomeExpense" xlink:to="ifrs-full_FeeAndCommissionIncome_637819395694207122" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CreditRelatedFeeAndCommissionIncomeCards" xlink:label="nwg_CreditRelatedFeeAndCommissionIncomeCards_637819395694207122" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_FeeAndCommissionIncome_637819395694207122" xlink:to="nwg_CreditRelatedFeeAndCommissionIncomeCards_637819395694207122" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CreditrelatedFeeAndCommissionIncome" xlink:label="ifrs-full_CreditrelatedFeeAndCommissionIncome_637819395694207122" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_FeeAndCommissionIncome_637819395694207122" xlink:to="ifrs-full_CreditrelatedFeeAndCommissionIncome_637819395694207122" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PaymentServicesProviderFeeAndCommissionIncome" xlink:label="nwg_PaymentServicesProviderFeeAndCommissionIncome_637819395694207122" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_FeeAndCommissionIncome_637819395694207122" xlink:to="nwg_PaymentServicesProviderFeeAndCommissionIncome_637819395694207122" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UnderwritingFeeIncome" xlink:label="nwg_UnderwritingFeeIncome_637819395694207122" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_FeeAndCommissionIncome_637819395694207122" xlink:to="nwg_UnderwritingFeeIncome_637819395694207122" order="4" use="optional" weight="1" priority="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherFeeAndCommissionIncome" xlink:label="ifrs-full_OtherFeeAndCommissionIncome_637819395694207122" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_FeeAndCommissionIncome_637819395694207122" xlink:to="ifrs-full_OtherFeeAndCommissionIncome_637819395694207122" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:label="ifrs-full_PortfolioAndOtherManagementFeeIncome_637819395694207122" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_FeeAndCommissionIncome_637819395694207122" xlink:to="ifrs-full_PortfolioAndOtherManagementFeeIncome_637819395694207122" order="6" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BrokerageFeeIncome" xlink:label="ifrs-full_BrokerageFeeIncome_637819395694217137" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_FeeAndCommissionIncome_637819395694207122" xlink:to="ifrs-full_BrokerageFeeIncome_637819395694217137" order="7" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FeeAndCommissionExpense" xlink:label="ifrs-full_FeeAndCommissionExpense_637819395694217137" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FeeAndCommissionIncomeExpense" xlink:to="ifrs-full_FeeAndCommissionExpense_637819395694217137" order="2" use="optional" weight="-1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureSegmentalAnalysisGeographicalSegmentsDetails" xlink:type="extended" xlink:title="40406 - Disclosure - Segmental analysis - Geographical segments (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RevenueAndOperatingIncome" xlink:label="RevenueAndOperatingIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FeeAndCommissionIncomeExpense" xlink:label="ifrs-full_FeeAndCommissionIncomeExpense_637819395694217137" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="RevenueAndOperatingIncome" xlink:to="ifrs-full_FeeAndCommissionIncomeExpense_637819395694217137" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradingIncomeExpense" xlink:label="ifrs-full_TradingIncomeExpense_637819395694217137" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="RevenueAndOperatingIncome" xlink:to="ifrs-full_TradingIncomeExpense_637819395694217137" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" xlink:label="nwg_OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt_637819395694217137" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="RevenueAndOperatingIncome" xlink:to="nwg_OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt_637819395694217137" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RevenueFromInterest" xlink:label="ifrs-full_RevenueFromInterest_637819395694217137" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="RevenueAndOperatingIncome" xlink:to="ifrs-full_RevenueFromInterest_637819395694217137" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestExpense" xlink:label="ifrs-full_InterestExpense_637819395694217137" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="RevenueAndOperatingIncome" xlink:to="ifrs-full_InterestExpense_637819395694217137" order="5" use="optional" weight="-1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosurePensionsChangesInValueOfNetPensionAssetsLiabilityDetails" xlink:type="extended" xlink:title="40503 - Disclosure - Pensions - Changes in value of net pension (assets)/liability (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainLossOnChangesInEffectOfLimitingNetDefinedBenefitAssetToAssetCeiling" xlink:label="ifrs-full_GainLossOnChangesInEffectOfLimitingNetDefinedBenefitAssetToAssetCeiling_637819395694227397" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" xlink:to="ifrs-full_GainLossOnChangesInEffectOfLimitingNetDefinedBenefitAssetToAssetCeiling_637819395694227397" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset_637819395694227397" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" xlink:to="ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset_637819395694227397" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset_637819395694227397" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" xlink:to="ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset_637819395694227397" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset_637819395694227397" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" xlink:to="ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset_637819395694227397" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset_637819395694227397" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" xlink:to="ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset_637819395694227397" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" xlink:label="ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset_637819395694227397" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" xlink:to="ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset_637819395694227397" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset_637819395694227397" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" xlink:to="ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset_637819395694227397" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset_637819395694227397" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" xlink:to="ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset_637819395694227397" order="3" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosurePensionsAmountsInFinancialStatementsDetails" xlink:type="extended" xlink:title="40504 - Disclosure - Pensions - Amounts in the Financial statements (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:label="ifrs-full_LiabilityAssetOfDefinedBenefitPlans" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RecognisedAssetsDefinedBenefitPlan" xlink:label="ifrs-full_RecognisedAssetsDefinedBenefitPlan_637819395694237075" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:to="ifrs-full_RecognisedAssetsDefinedBenefitPlan_637819395694237075" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RecognisedLiabilitiesDefinedBenefitPlan" xlink:label="ifrs-full_RecognisedLiabilitiesDefinedBenefitPlan_637819395694237075" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:to="ifrs-full_RecognisedLiabilitiesDefinedBenefitPlan_637819395694237075" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SurplusDeficitInPlan" xlink:label="SurplusDeficitInPlan" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:label="ifrs-full_DefinedBenefitObligationAtPresentValue_637819395694237075" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="SurplusDeficitInPlan" xlink:to="ifrs-full_DefinedBenefitObligationAtPresentValue_637819395694237075" order="1" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PlanAssetsAtFairValue" xlink:label="ifrs-full_PlanAssetsAtFairValue_637819395694237075" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="SurplusDeficitInPlan" xlink:to="ifrs-full_PlanAssetsAtFairValue_637819395694237075" order="2" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosurePensionsSensitivitiesOfPresentValueOfDefinedBenefitObligationDetails" xlink:type="extended" xlink:title="40507 - Disclosure - Pensions - Sensitivities of the present value of defined benefit obligation (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TotalClassOfSchemeMembers" xlink:label="TotalClassOfSchemeMembers" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfActiveClassSchemeMembers" xlink:label="nwg_PercentageOfActiveClassSchemeMembers_637819395694237075" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="TotalClassOfSchemeMembers" xlink:to="nwg_PercentageOfActiveClassSchemeMembers_637819395694237075" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfDeferredClassSchemeMembers" xlink:label="nwg_PercentageOfDeferredClassSchemeMembers_637819395694237075" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="TotalClassOfSchemeMembers" xlink:to="nwg_PercentageOfDeferredClassSchemeMembers_637819395694237075" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfPensionerClassSchemeMembers" xlink:label="nwg_PercentageOfPensionerClassSchemeMembers_637819395694237075" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="TotalClassOfSchemeMembers" xlink:to="nwg_PercentageOfPensionerClassSchemeMembers_637819395694237075" order="3" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureAuditorSRemunerationDetails" xlink:type="extended" xlink:title="40601 - Disclosure - Auditor's remuneration (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AuditorsRemunerationForAuditServices" xlink:label="AuditorsRemunerationForAuditServices" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForAuditServicesOfGroupAnnualAccounts" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfGroupAnnualAccounts_637819395694247196" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AuditorsRemunerationForAuditServices" xlink:to="nwg_AuditorsRemunerationForAuditServicesOfGroupAnnualAccounts_637819395694247196" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices_637819395694247196" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AuditorsRemunerationForAuditServices" xlink:to="nwg_AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices_637819395694247196" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForAuditServicesOfSubsidiaries" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfSubsidiaries_637819395694247196" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AuditorsRemunerationForAuditServices" xlink:to="nwg_AuditorsRemunerationForAuditServicesOfSubsidiaries_637819395694247196" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AuditorsRemunerationForOtherServices" xlink:label="AuditorsRemunerationForOtherServices" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForOtherServicesRelatedToAssuranceServices" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToAssuranceServices_637819395694247196" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AuditorsRemunerationForOtherServices" xlink:to="nwg_AuditorsRemunerationForOtherServicesRelatedToAssuranceServices_637819395694247196" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices_637819395694247196" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AuditorsRemunerationForOtherServices" xlink:to="nwg_AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices_637819395694247196" order="2" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureTaxTaxChargeDetails" xlink:type="extended" xlink:title="40701 - Disclosure - Tax - Tax charge (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:label="ifrs-full_IncomeTaxExpenseContinuingOperations" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherComponentsOfDeferredTaxExpenseIncome" xlink:label="ifrs-full_OtherComponentsOfDeferredTaxExpenseIncome_637819395694257266" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:to="ifrs-full_OtherComponentsOfDeferredTaxExpenseIncome_637819395694257266" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredTaxExpenseArisingFromWritedownOrReversalOfWritedownOfDeferredTaxAsset" xlink:label="ifrs-full_DeferredTaxExpenseArisingFromWritedownOrReversalOfWritedownOfDeferredTaxAsset_637819395694257266" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:to="ifrs-full_DeferredTaxExpenseArisingFromWritedownOrReversalOfWritedownOfDeferredTaxAsset_637819395694257266" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredTaxExpenseIncomeRelatingToTaxRateChangesOrImpositionOfNewTaxes" xlink:label="ifrs-full_DeferredTaxExpenseIncomeRelatingToTaxRateChangesOrImpositionOfNewTaxes_637819395694257266" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:to="ifrs-full_DeferredTaxExpenseIncomeRelatingToTaxRateChangesOrImpositionOfNewTaxes_637819395694257266" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForDeferredTaxOfPriorPeriods" xlink:label="ifrs-full_AdjustmentsForDeferredTaxOfPriorPeriods_637819395694257266" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:to="ifrs-full_AdjustmentsForDeferredTaxOfPriorPeriods_637819395694257266" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods" xlink:label="ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods_637819395694257266" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:to="ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods_637819395694257266" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrentTaxExpenseIncome" xlink:label="ifrs-full_CurrentTaxExpenseIncome_637819395694257266" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods_637819395694257266" xlink:to="ifrs-full_CurrentTaxExpenseIncome_637819395694257266" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForCurrentTaxOfPriorPeriod" xlink:label="ifrs-full_AdjustmentsForCurrentTaxOfPriorPeriod_637819395694257266" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods_637819395694257266" xlink:to="ifrs-full_AdjustmentsForCurrentTaxOfPriorPeriod_637819395694257266" order="2" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureTaxAnalysisOfDeferredTaxDetails" xlink:type="extended" xlink:title="40703 - Disclosure - Tax - Analysis of deferred tax (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredTaxLiabilityAsset" xlink:label="DeferredTaxLiabilityAsset" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredTaxAssets" xlink:label="ifrs-full_DeferredTaxAssets_637819395694257266" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="DeferredTaxLiabilityAsset" xlink:to="ifrs-full_DeferredTaxAssets_637819395694257266" order="1" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredTaxLiabilities" xlink:label="ifrs-full_DeferredTaxLiabilities_637819395694267141" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="DeferredTaxLiabilityAsset" xlink:to="ifrs-full_DeferredTaxLiabilities_637819395694267141" order="2" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureDiscontinuedOperationsAndAssetsAndLiabilitiesOfDisposalGroupsProfitLossFromDiscontinuedOperationsNetOfTaxDetails" xlink:type="extended" xlink:title="40802 - Disclosure - Discontinued operations and assets and liabilities of disposal groups - Profit (loss) from discontinued operations, net of tax (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:label="ProfitLossFromDiscontinuedOperations" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProfitLossFromOrdinaryActivitiesOfDiscontinuedOperationsNetOfTax" xlink:label="nwg_ProfitLossFromOrdinaryActivitiesOfDiscontinuedOperationsNetOfTax_637819395694267141" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ProfitLossFromDiscontinuedOperations" xlink:to="nwg_ProfitLossFromOrdinaryActivitiesOfDiscontinuedOperationsNetOfTax_637819395694267141" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossBeforeTax" xlink:label="ifrs-full_ProfitLossBeforeTax_637819395694267141" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_ProfitLossFromOrdinaryActivitiesOfDiscontinuedOperationsNetOfTax_637819395694267141" xlink:to="ifrs-full_ProfitLossBeforeTax_637819395694267141" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" xlink:label="ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations_637819395694267141" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_ProfitLossFromOrdinaryActivitiesOfDiscontinuedOperationsNetOfTax_637819395694267141" xlink:to="ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations_637819395694267141" order="2" use="optional" weight="-1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureDiscontinuedOperationsAndAssetsAndLiabilitiesOfDisposalGroupsAssetsAndLiabilitiesOfDisposalGroupsDetailss" xlink:type="extended" xlink:title="40803 - Disclosure - Discontinued operations and assets and liabilities of disposal groups - Assets and liabilities of disposal groups (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NetAssetsLiabilities" xlink:label="ifrs-full_NetAssetsLiabilities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Liabilities" xlink:label="ifrs-full_Liabilities_637819395694267141" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_NetAssetsLiabilities" xlink:to="ifrs-full_Liabilities_637819395694267141" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Assets" xlink:label="ifrs-full_Assets_637819395694267141" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_NetAssetsLiabilities" xlink:to="ifrs-full_Assets_637819395694267141" order="2" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureEarningsPerShareDetails" xlink:type="extended" xlink:title="40901 - Disclosure - Earnings per share (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustedWeightedAverageShares" xlink:label="AdjustedWeightedAverageShares" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DilutiveEffectOfShareOptionsAndConvertibleInstrumentsOnNumberOfOrdinaryShares" xlink:label="nwg_DilutiveEffectOfShareOptionsAndConvertibleInstrumentsOnNumberOfOrdinaryShares_637819395694277164" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AdjustedWeightedAverageShares" xlink:to="nwg_DilutiveEffectOfShareOptionsAndConvertibleInstrumentsOnNumberOfOrdinaryShares_637819395694277164" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_WeightedAverageShares" xlink:label="ifrs-full_WeightedAverageShares_637819395694277164" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AdjustedWeightedAverageShares" xlink:to="ifrs-full_WeightedAverageShares_637819395694277164" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:label="ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:label="ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_637819395694277164" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:to="ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_637819395694277164" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:label="ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_637819395694277164" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:to="ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_637819395694277164" order="2" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureFinancialInstrumentsValuationAdjustmentsDetails" xlink:type="extended" xlink:title="41103 - Disclosure - Financial instruments: valuation - Adjustments (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialInstrumentsValuationAdjustments" xlink:label="FinancialInstrumentsValuationAdjustments" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BidOfferAdjustments" xlink:label="nwg_BidOfferAdjustments_637819395694277164" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinancialInstrumentsValuationAdjustments" xlink:to="nwg_BidOfferAdjustments_637819395694277164" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CreditValuationAdjustments" xlink:label="nwg_CreditValuationAdjustments_637819395694286819" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinancialInstrumentsValuationAdjustments" xlink:to="nwg_CreditValuationAdjustments_637819395694286819" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FundingValuationAdjustments" xlink:label="nwg_FundingValuationAdjustments_637819395694286819" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinancialInstrumentsValuationAdjustments" xlink:to="nwg_FundingValuationAdjustments_637819395694286819" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProductAndDealSpecificAdjustments" xlink:label="nwg_ProductAndDealSpecificAdjustments_637819395694286819" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinancialInstrumentsValuationAdjustments" xlink:to="nwg_ProductAndDealSpecificAdjustments_637819395694286819" order="4" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureFinancialInstrumentsMaturityAnalysisContractualMaturityDetails" xlink:type="extended" xlink:title="41202 - Disclosure - Financial Instruments - maturity analysis - Contractual Maturity (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialLiabilitiesUndiscountedCashFlows" xlink:label="FinancialLiabilitiesUndiscountedCashFlows" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DerivativeFinancialLiabilitiesUndiscountedCashFlows" xlink:label="ifrs-full_DerivativeFinancialLiabilitiesUndiscountedCashFlows_637819395694286819" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinancialLiabilitiesUndiscountedCashFlows" xlink:to="ifrs-full_DerivativeFinancialLiabilitiesUndiscountedCashFlows_637819395694286819" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NonderivativeFinancialLiabilitiesUndiscountedCashFlows" xlink:label="ifrs-full_NonderivativeFinancialLiabilitiesUndiscountedCashFlows_637819395694286819" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinancialLiabilitiesUndiscountedCashFlows" xlink:to="ifrs-full_NonderivativeFinancialLiabilitiesUndiscountedCashFlows_637819395694286819" order="2" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureTradingAssetsAndLiabilitiesDetails" xlink:type="extended" xlink:title="41301 - Disclosure - Trading assets and liabilities (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsTradingLiabilities" xlink:label="IfrsTradingLiabilities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DebtSecurities" xlink:label="ifrs-full_DebtSecurities_637819395694286819" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="IfrsTradingLiabilities" xlink:to="ifrs-full_DebtSecurities_637819395694286819" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DerivativeFinancialLiabilitiesShortPosition" xlink:label="nwg_DerivativeFinancialLiabilitiesShortPosition_637819395694297061" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ifrs-full_DebtSecurities_637819395694286819" xlink:to="nwg_DerivativeFinancialLiabilitiesShortPosition_637819395694297061" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DepositsTradingLiabilities" xlink:label="nwg_DepositsTradingLiabilities_637819395694297061" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="IfrsTradingLiabilities" xlink:to="nwg_DepositsTradingLiabilities_637819395694297061" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CollateralOnSecuritiesLent" xlink:label="nwg_CollateralOnSecuritiesLent_637819395694297061" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_DepositsTradingLiabilities_637819395694297061" xlink:to="nwg_CollateralOnSecuritiesLent_637819395694297061" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DepositsOther" xlink:label="nwg_DepositsOther_637819395694297061" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_DepositsTradingLiabilities_637819395694297061" xlink:to="nwg_DepositsOther_637819395694297061" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RepurchaseAgreements" xlink:label="nwg_RepurchaseAgreements_637819395694297061" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_DepositsTradingLiabilities_637819395694297061" xlink:to="nwg_RepurchaseAgreements_637819395694297061" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingAssets" xlink:label="TradingAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DebtInstrumentsHeld" xlink:label="ifrs-full_DebtInstrumentsHeld_637819395694297061" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="TradingAssets" xlink:to="ifrs-full_DebtInstrumentsHeld_637819395694297061" order="1" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingLoans" xlink:label="nwg_TradingLoans_637819395694297061" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="TradingAssets" xlink:to="nwg_TradingLoans_637819395694297061" order="2" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CollateralOnSecuritiesBorrowed" xlink:label="nwg_CollateralOnSecuritiesBorrowed_637819395694297061" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TradingLoans_637819395694297061" xlink:to="nwg_CollateralOnSecuritiesBorrowed_637819395694297061" order="1" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherTradingLoans" xlink:label="nwg_OtherTradingLoans_637819395694297061" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TradingLoans_637819395694297061" xlink:to="nwg_OtherTradingLoans_637819395694297061" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ReverseRepurchaseAgreements" xlink:label="nwg_ReverseRepurchaseAgreements_637819395694307144" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TradingLoans_637819395694297061" xlink:to="nwg_ReverseRepurchaseAgreements_637819395694307144" order="3" use="optional" weight="1" priority="3" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureDerivativesHedgeIneffectivenessRecognisedDetails" xlink:type="extended" xlink:title="41407 - Disclosure - Derivatives - Hedge ineffectiveness recognised (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:label="GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" xlink:label="ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness_637819395694307144" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:to="ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness_637819395694307144" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" xlink:label="ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness_637819395694307144" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:to="ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness_637819395694307144" order="2" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureOtherAssetsDetails" xlink:type="extended" xlink:title="41801 - Disclosure - Other assets (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherAssets" xlink:label="OtherAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredTaxAssets" xlink:label="ifrs-full_DeferredTaxAssets_637819395694307144" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherAssets" xlink:to="ifrs-full_DeferredTaxAssets_637819395694307144" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BankAcceptanceAssets" xlink:label="ifrs-full_BankAcceptanceAssets_637819395694307144" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherAssets" xlink:to="ifrs-full_BankAcceptanceAssets_637819395694307144" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RecognisedAssetsDefinedBenefitPlan" xlink:label="ifrs-full_RecognisedAssetsDefinedBenefitPlan_637819395694317297" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherAssets" xlink:to="ifrs-full_RecognisedAssetsDefinedBenefitPlan_637819395694317297" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AccruedIncomeOtherThanContractAssets" xlink:label="ifrs-full_AccruedIncomeOtherThanContractAssets_637819395694317297" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherAssets" xlink:to="ifrs-full_AccruedIncomeOtherThanContractAssets_637819395694317297" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherAssetsOther" xlink:label="nwg_OtherAssetsOther_637819395694317297" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherAssets" xlink:to="nwg_OtherAssetsOther_637819395694317297" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Prepayments" xlink:label="ifrs-full_Prepayments_637819395694317297" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherAssets" xlink:to="ifrs-full_Prepayments_637819395694317297" order="6" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PropertyPlantAndEquipment" xlink:label="ifrs-full_PropertyPlantAndEquipment_637819395694317297" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherAssets" xlink:to="ifrs-full_PropertyPlantAndEquipment_637819395694317297" order="7" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReceivablesFromTaxesOtherThanIncomeTax" xlink:label="ifrs-full_ReceivablesFromTaxesOtherThanIncomeTax_637819395694317297" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherAssets" xlink:to="ifrs-full_ReceivablesFromTaxesOtherThanIncomeTax_637819395694317297" order="8" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod" xlink:label="ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod_637819395694317297" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherAssets" xlink:to="ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod_637819395694317297" order="9" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureSubordinatedLiabilitiesDetails" xlink:type="extended" xlink:title="42001 - Disclosure - Subordinated liabilities (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SubordinatedLiabilities" xlink:label="SubordinatedLiabilities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DatedSubordinatedLiabilities" xlink:label="ifrs-full_DatedSubordinatedLiabilities_637819395694327284" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="SubordinatedLiabilities" xlink:to="ifrs-full_DatedSubordinatedLiabilities_637819395694327284" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UndatedSubordinatedLiabilities" xlink:label="ifrs-full_UndatedSubordinatedLiabilities_637819395694327284" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="SubordinatedLiabilities" xlink:to="ifrs-full_UndatedSubordinatedLiabilities_637819395694327284" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PreferenceSharesClassifiedAsLiabilities" xlink:label="nwg_PreferenceSharesClassifiedAsLiabilities_637819395694327284" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="SubordinatedLiabilities" xlink:to="nwg_PreferenceSharesClassifiedAsLiabilities_637819395694327284" order="3" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureOtherLiabilitiesDetails" xlink:type="extended" xlink:title="42101 - Disclosure - Other liabilities (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherLiabilities" xlink:label="OtherLiabilities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherProvisions" xlink:label="ifrs-full_OtherProvisions_637819395694327284" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherLiabilities" xlink:to="ifrs-full_OtherProvisions_637819395694327284" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AccrualsClassifiedAsCurrent" xlink:label="ifrs-full_AccrualsClassifiedAsCurrent_637819395694327284" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherLiabilities" xlink:to="ifrs-full_AccrualsClassifiedAsCurrent_637819395694327284" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrentTaxLiabilities" xlink:label="ifrs-full_CurrentTaxLiabilities_637819395694327284" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherLiabilities" xlink:to="ifrs-full_CurrentTaxLiabilities_637819395694327284" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredIncomeOtherThanContractLiabilities" xlink:label="ifrs-full_DeferredIncomeOtherThanContractLiabilities_637819395694327284" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherLiabilities" xlink:to="ifrs-full_DeferredIncomeOtherThanContractLiabilities_637819395694327284" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredTaxLiabilities" xlink:label="ifrs-full_DeferredTaxLiabilities_637819395694327284" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherLiabilities" xlink:to="ifrs-full_DeferredTaxLiabilities_637819395694327284" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LeaseLiabilities" xlink:label="ifrs-full_LeaseLiabilities_637819395694337237" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherLiabilities" xlink:to="ifrs-full_LeaseLiabilities_637819395694337237" order="6" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RecognisedLiabilitiesDefinedBenefitPlan" xlink:label="ifrs-full_RecognisedLiabilitiesDefinedBenefitPlan_637819395694337237" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherLiabilities" xlink:to="ifrs-full_RecognisedLiabilitiesDefinedBenefitPlan_637819395694337237" order="7" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherLiabilitiesOther" xlink:label="nwg_OtherLiabilitiesOther_637819395694337237" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherLiabilities" xlink:to="nwg_OtherLiabilitiesOther_637819395694337237" order="8" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BankAcceptanceLiabilities" xlink:label="ifrs-full_BankAcceptanceLiabilities_637819395694337237" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherLiabilities" xlink:to="ifrs-full_BankAcceptanceLiabilities_637819395694337237" order="9" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureLeasesLessorLeasesAmountsRecognisedInConsolidatedIncomeStatementDetails" xlink:type="extended" xlink:title="42302 - Disclosure - Leases - Lessor Leases - Amounts recognised in consolidated income statement (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetOperatingLeaseIncome" xlink:label="NetOperatingLeaseIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OperatingLeaseIncome" xlink:label="ifrs-full_OperatingLeaseIncome_637819395694337237" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetOperatingLeaseIncome" xlink:to="ifrs-full_OperatingLeaseIncome_637819395694337237" order="1" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureLeasesLessorLeasesAmountReceivableUnderFinanceLeasesDetails" xlink:type="extended" xlink:title="42303 - Disclosure - Leases - Lessor Leases - Amount receivable under finance leases (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NetInvestmentInFinanceLease" xlink:label="NetInvestmentInFinanceLease" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LessorFinanceLeaseAccumulatedImpairmentLoss" xlink:label="nwg_LessorFinanceLeaseAccumulatedImpairmentLoss_637819395694347156" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetInvestmentInFinanceLease" xlink:to="nwg_LessorFinanceLeaseAccumulatedImpairmentLoss_637819395694347156" order="1" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16" xlink:label="nwg_MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16_637819395694347156" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetInvestmentInFinanceLease" xlink:to="nwg_MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16_637819395694347156" order="2" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureCapitalResourcesDetails" xlink:type="extended" xlink:title="42601 - Disclosure - Capital resources (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TotalRegulatoryCapital" xlink:label="TotalRegulatoryCapital" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Tier1Capital" xlink:label="nwg_Tier1Capital_637819395694347156" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="TotalRegulatoryCapital" xlink:to="nwg_Tier1Capital_637819395694347156" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CapitalEquityTier1Cet1Capital" xlink:label="nwg_CapitalEquityTier1Cet1Capital_637819395694347156" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_Tier1Capital_637819395694347156" xlink:to="nwg_CapitalEquityTier1Cet1Capital_637819395694347156" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TotalAdjustmentsAndDeductionsToEquityCapital" xlink:label="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_637819395694347156" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_CapitalEquityTier1Cet1Capital_637819395694347156" xlink:to="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_637819395694347156" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentOfDeferredTaxAssets" xlink:label="nwg_AdjustmentOfDeferredTaxAssets_637819395694347156" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_637819395694347156" xlink:to="nwg_AdjustmentOfDeferredTaxAssets_637819395694347156" order="1" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentOfGoodwillAndOtherIntangibleAssets" xlink:label="nwg_AdjustmentOfGoodwillAndOtherIntangibleAssets_637819395694357225" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_637819395694347156" xlink:to="nwg_AdjustmentOfGoodwillAndOtherIntangibleAssets_637819395694357225" order="2" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentOfOtherRegulatoryRequirements" xlink:label="nwg_AdjustmentOfOtherRegulatoryRequirements_637819395694357225" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_637819395694347156" xlink:to="nwg_AdjustmentOfOtherRegulatoryRequirements_637819395694357225" order="3" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentOfPrudentialValuation" xlink:label="nwg_AdjustmentOfPrudentialValuation_637819395694357225" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_637819395694347156" xlink:to="nwg_AdjustmentOfPrudentialValuation_637819395694357225" order="4" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentOfForeseeableCharges" xlink:label="nwg_AdjustmentOfForeseeableCharges_637819395694357225" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_637819395694347156" xlink:to="nwg_AdjustmentOfForeseeableCharges_637819395694357225" order="5" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentUnderIfrs9TransitionalArrangements" xlink:label="nwg_AdjustmentUnderIfrs9TransitionalArrangements_637819395694357225" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_637819395694347156" xlink:to="nwg_AdjustmentUnderIfrs9TransitionalArrangements_637819395694357225" order="6" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DefinedBenefitPensionFundAdjustment" xlink:label="nwg_DefinedBenefitPensionFundAdjustment_637819395694357225" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_637819395694347156" xlink:to="nwg_DefinedBenefitPensionFundAdjustment_637819395694357225" order="7" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashFlowHedgingReserveAdjustmentToEquity" xlink:label="nwg_CashFlowHedgingReserveAdjustmentToEquity_637819395694357225" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_637819395694347156" xlink:to="nwg_CashFlowHedgingReserveAdjustmentToEquity_637819395694357225" order="8" use="optional" weight="-1" priority="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OwnCredit" xlink:label="nwg_OwnCredit_637819395694357225" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_637819395694347156" xlink:to="nwg_OwnCredit_637819395694357225" order="9" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForForeseeablePensionContributions" xlink:label="nwg_AdjustmentsForForeseeablePensionContributions_637819395694357225" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_637819395694347156" xlink:to="nwg_AdjustmentsForForeseeablePensionContributions_637819395694357225" order="10" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentForForeseeableOrdinaryDividends" xlink:label="nwg_AdjustmentForForeseeableOrdinaryDividends_637819395694367097" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_637819395694347156" xlink:to="nwg_AdjustmentForForeseeableOrdinaryDividends_637819395694367097" order="11" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments" xlink:label="nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments_637819395694367097" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_CapitalEquityTier1Cet1Capital_637819395694347156" xlink:to="nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments_637819395694367097" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PreferenceAttributableToOwnersOfParent" xlink:label="nwg_PreferenceAttributableToOwnersOfParent_637819395694367097" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments_637819395694367097" xlink:to="nwg_PreferenceAttributableToOwnersOfParent_637819395694367097" order="1" use="optional" weight="1" priority="4" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherEquityInterest" xlink:label="ifrs-full_OtherEquityInterest_637819395694367097" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments_637819395694367097" xlink:to="ifrs-full_OtherEquityInterest_637819395694367097" order="2" use="optional" weight="1" priority="5" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EquityAttributableToOwnersOfParent" xlink:label="ifrs-full_EquityAttributableToOwnersOfParent_637819395694367097" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments_637819395694367097" xlink:to="ifrs-full_EquityAttributableToOwnersOfParent_637819395694367097" order="3" use="optional" weight="1" priority="5" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdditionalTierOneCapital" xlink:label="nwg_AdditionalTierOneCapital_637819395694367097" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_Tier1Capital_637819395694347156" xlink:to="nwg_AdditionalTierOneCapital_637819395694367097" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EligibleAdditionalTierOne" xlink:label="nwg_EligibleAdditionalTierOne_637819395694367097" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_AdditionalTierOneCapital_637819395694367097" xlink:to="nwg_EligibleAdditionalTierOne_637819395694367097" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_QualifyingInstrumentsAndRelatedSharePremiumSubjectToPhaseOut" xlink:label="nwg_QualifyingInstrumentsAndRelatedSharePremiumSubjectToPhaseOut_637819395694377284" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_AdditionalTierOneCapital_637819395694367097" xlink:to="nwg_QualifyingInstrumentsAndRelatedSharePremiumSubjectToPhaseOut_637819395694377284" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdParties" xlink:label="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdParties_637819395694377284" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_AdditionalTierOneCapital_637819395694367097" xlink:to="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdParties_637819395694377284" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Tier2Capital" xlink:label="nwg_Tier2Capital_637819395694377284" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="TotalRegulatoryCapital" xlink:to="nwg_Tier2Capital_637819395694377284" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherRegulatoryAdjustments" xlink:label="nwg_OtherRegulatoryAdjustments_637819395694377284" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_Tier2Capital_637819395694377284" xlink:to="nwg_OtherRegulatoryAdjustments_637819395694377284" order="1" use="optional" weight="1" priority="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_QualifyingInstrumentsAndRelatedSharePremium" xlink:label="nwg_QualifyingInstrumentsAndRelatedSharePremium_637819395694607091" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_Tier2Capital_637819395694377284" xlink:to="nwg_QualifyingInstrumentsAndRelatedSharePremium_637819395694607091" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital" xlink:label="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital_637819395694607091" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_Tier2Capital_637819395694377284" xlink:to="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital_637819395694607091" order="3" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureMemorandumItemsContractualObligationsOfFutureDetails" xlink:type="extended" xlink:title="42702 - Disclosure - Memorandum items - Contractual obligations of future (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CapitalCommitments" xlink:label="CapitalCommitments" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ContractualCommitmentsForAcquisitionOfPropertyPlantAndEquipment" xlink:label="ifrs-full_ContractualCommitmentsForAcquisitionOfPropertyPlantAndEquipment_637819395694617093" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CapitalCommitments" xlink:to="ifrs-full_ContractualCommitmentsForAcquisitionOfPropertyPlantAndEquipment_637819395694617093" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ContractualCapitalCommitments" xlink:label="ifrs-full_ContractualCapitalCommitments_637819395694617093" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CapitalCommitments" xlink:to="ifrs-full_ContractualCapitalCommitments_637819395694617093" order="2" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureAnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsDetails" xlink:type="extended" xlink:title="42801 - Disclosure - Analysis of the net investment in business interests and intangible assets (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets" xlink:label="CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:label="ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities_637819395694617093" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets" xlink:to="ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities_637819395694617093" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetInflowOfCashInRespectOfDisposals" xlink:label="nwg_NetInflowOfCashInRespectOfDisposals_637819395694617093" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets" xlink:to="nwg_NetInflowOfCashInRespectOfDisposals_637819395694617093" order="2" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProceedsFromSalesOfInterestsInAssociates" xlink:label="ifrs-full_ProceedsFromSalesOfInterestsInAssociates_637819395694617093" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetInflowOfCashInRespectOfDisposals_637819395694617093" xlink:to="ifrs-full_ProceedsFromSalesOfInterestsInAssociates_637819395694617093" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashFlowFromNetAssetsLiabilitiesDisposed" xlink:label="nwg_CashFlowFromNetAssetsLiabilitiesDisposed_637819395694617093" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetInflowOfCashInRespectOfDisposals_637819395694617093" xlink:to="nwg_CashFlowFromNetAssetsLiabilitiesDisposed_637819395694617093" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociatesCashFlowInvestingActivities" xlink:label="nwg_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociatesCashFlowInvestingActivities_637819395694617093" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetInflowOfCashInRespectOfDisposals_637819395694617093" xlink:to="nwg_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociatesCashFlowInvestingActivities_637819395694617093" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetOutflowOfCashInRespectOfAcquisitions" xlink:label="nwg_NetOutflowOfCashInRespectOfAcquisitions_637819395694627092" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets" xlink:to="nwg_NetOutflowOfCashInRespectOfAcquisitions_637819395694627092" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:label="ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_637819395694627092" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetOutflowOfCashInRespectOfAcquisitions_637819395694627092" xlink:to="ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_637819395694627092" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PurchaseOfInterestsInAssociates" xlink:label="ifrs-full_PurchaseOfInterestsInAssociates_637819395694627092" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetOutflowOfCashInRespectOfAcquisitions_637819395694627092" xlink:to="ifrs-full_PurchaseOfInterestsInAssociates_637819395694627092" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashFlowFromNetAssetsLiabilitiesPurchased" xlink:label="nwg_CashFlowFromNetAssetsLiabilitiesPurchased_637819395694627092" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="nwg_NetOutflowOfCashInRespectOfAcquisitions_637819395694627092" xlink:to="nwg_CashFlowFromNetAssetsLiabilitiesPurchased_637819395694627092" order="3" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureAnalysisOfCashAndCashEquivalentsDetails" xlink:type="extended" xlink:title="43001 - Disclosure - Analysis of cash and cash equivalents (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashAndCashEquivalents" xlink:label="CashAndCashEquivalents" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:label="ifrs-full_CashAndBankBalancesAtCentralBanks_637819395694627092" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashAndCashEquivalents" xlink:to="ifrs-full_CashAndBankBalancesAtCentralBanks_637819395694627092" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents" xlink:label="nwg_DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents_637819395694627092" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashAndCashEquivalents" xlink:to="nwg_DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents_637819395694627092" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BankingArrangementsClassifiedAsCashEquivalents" xlink:label="ifrs-full_BankingArrangementsClassifiedAsCashEquivalents_637819395694627092" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashAndCashEquivalents" xlink:to="ifrs-full_BankingArrangementsClassifiedAsCashEquivalents_637819395694627092" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherFinancialAssetsClassifiedAsCashEquivalents" xlink:label="nwg_OtherFinancialAssetsClassifiedAsCashEquivalents_637819395694627092" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashAndCashEquivalents" xlink:to="nwg_OtherFinancialAssetsClassifiedAsCashEquivalents_637819395694627092" order="4" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureDirectorsAndKeyManagementRemunerationDirectorsDetails" xlink:type="extended" xlink:title="43101 - Disclosure - Directors' and key management remuneration - Directors (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DirectorsRemunerationExpense" xlink:label="DirectorsRemunerationExpense" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_KeyManagementPersonnelCompensationShorttermEmployeeBenefits" xlink:label="ifrs-full_KeyManagementPersonnelCompensationShorttermEmployeeBenefits_637819395694637086" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="DirectorsRemunerationExpense" xlink:to="ifrs-full_KeyManagementPersonnelCompensationShorttermEmployeeBenefits_637819395694637086" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_KeyManagementPersonnelCompensationSharebasedPayment" xlink:label="ifrs-full_KeyManagementPersonnelCompensationSharebasedPayment_637819395694637086" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="DirectorsRemunerationExpense" xlink:to="ifrs-full_KeyManagementPersonnelCompensationSharebasedPayment_637819395694637086" order="2" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.rbs.com/role/DisclosureDirectorsAndKeyManagementRemunerationKeyManagementDetails" xlink:type="extended" xlink:title="43102 - Disclosure - Directors' and key management remuneration - Key management (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_KeyManagementPersonnelCompensation" xlink:label="KeyManagementPersonnelCompensation" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_KeyManagementPersonnelCompensationShorttermEmployeeBenefits" xlink:label="ifrs-full_KeyManagementPersonnelCompensationShorttermEmployeeBenefits_637819395694637086" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="KeyManagementPersonnelCompensation" xlink:to="ifrs-full_KeyManagementPersonnelCompensationShorttermEmployeeBenefits_637819395694637086" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits" xlink:label="ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits_637819395694637086" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="KeyManagementPersonnelCompensation" xlink:to="ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits_637819395694637086" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_KeyManagementPersonnelCompensationSharebasedPayment" xlink:label="ifrs-full_KeyManagementPersonnelCompensationSharebasedPayment_637819395694637086" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="KeyManagementPersonnelCompensation" xlink:to="ifrs-full_KeyManagementPersonnelCompensationSharebasedPayment_637819395694637086" order="3" use="optional" weight="1" priority="2" />
  </calculationLink>
</link:linkbase>
