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Financial Instruments - maturity analysis (Tables) | 12 Months Ended
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Dec. 31, 2021
Financial instruments - classification |
Schedule of residual maturity of financial instruments | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2021 | ​ | 2020
​ | ​ | Less than | ​ | More than | ​ | ​ | ​ | Less than | ​ | More than | ​ | ​
​ | ​ | 12 months | ​ | 12 months | ​ | Total | ​ | 12 months | ​ | 12 months | ​ | Total
​ |  | £m |  | £m |  | £m |  | £m |  | £m |  | £m
Assets | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Cash and balances at central banks |  | 177,757 |  | — |  | 177,757 |  | 124,489 |  | — |  | 124,489
Trading assets |  | 40,263 |  | 18,895 |  | 59,158 |  | 42,037 |  | 26,953 |  | 68,990
Derivatives |  | 34,538 |  | 71,601 |  | 106,139 |  | 46,244 |  | 120,279 |  | 166,523
Settlement balances |  | 2,141 |  | — |  | 2,141 |  | 2,297 |  | — |  | 2,297
Loans to banks - amortised cost | ​ | 7,425 | ​ | 257 | ​ | 7,682 | ​ | 6,835 | ​ | 120 | ​ | 6,955
Loans to customers - amortised cost | ​ | 103,689 | ​ | 255,301 | ​ | 358,990 | ​ | 87,531 | ​ | 273,013 | ​ | 360,544
Other financial assets |  | 11,151 |  | 34,994 |  | 46,145 |  | 8,901 |  | 46,247 |  | 55,148
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Liabilities |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Bank deposits |  | 13,715 | ​ | 12,564 | ​ | 26,279 | ​ | 12,315 | ​ | 8,291 | ​ | 20,606
Customer deposits |  | 478,801 |  | 1,009 |  | 479,810 |  | 430,283 |  | 1,456 |  | 431,739
Settlement balances |  | 2,068 |  | — |  | 2,068 |  | 5,545 |  | — |  | 5,545
Trading liabilities |  | 41,664 |  | 22,934 |  | 64,598 |  | 45,037 |  | 27,219 |  | 72,256
Derivatives | ​ | 34,593 | ​ | 66,242 | ​ | 100,835 | ​ | 47,361 | ​ | 113,344 | ​ | 160,705
Other financial liabilities |  | 16,060 |  | 33,266 |  | 49,326 |  | 12,403 |  | 33,408 |  | 45,811
Subordinated liabilities |  | 1,375 |  | 7,054 |  | 8,429 |  | 365 |  | 9,597 |  | 9,962
Notes in circulation | ​ | 3,047 | ​ | — | ​ | 3,047 | ​ | 2,655 | ​ | — | ​ | 2,655
Lease liabilities |  | 238 |  | 1,025 |  | 1,263 |  | 185 |  | 1,513 |  | 1,698
Schedule of undiscounted cash flows payable by contractual maturity | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 0-3 months |  | 3-12 months |  | 1-3 years |  | 3-5 years |  | 5-10 years |  | 10-20 years
2021 | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m
Assets by contractual maturity up to 20 years |  | ​ |  | ​ |  | ​ |  | ​ |  | ​ |  | ​
Cash and balances at central banks |  | 177,757 |  | — |  | — |  | — |  | — |  | —
Derivatives held for hedging | ​ | (23) | ​ | (32) | ​ | 72 | ​ | 15 | ​ | 10 | ​ | 17
Settlement balances |  | 2,141 | ​ | — | ​ | — | ​ | — | ​ | — | ​ | —
Loans to banks - amortised cost |  | 5,735 |  | 1,689 |  | 21 |  | — |  | — |  | —
Loans to customers - amortised cost |  | 65,760 |  | 43,144 |  | 63,979 |  | 45,057 |  | 73,044 |  | 90,115
Other financial assets (1) | ​ | 3,924 | ​ | 7,576 | ​ | 10,467 | ​ | 8,048 | ​ | 7,444 | ​ | 5,523
Finance lease |  | 290 |  | 340 |  | 746 |  | 504 |  | 704 |  | 377
​ |  | 255,584 | ​ | 52,717 |  | 75,285 |  | 53,624 |  | 81,202 |  | 96,032
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Liabilities by contractual maturity up to 20 years |  | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Bank deposits |  | 13,292 |  | 421 |  | 566 |  | 12,003 |  | — |  | —
Customer deposits |  | 473,123 |  | 5,440 |  | 1,155 |  | 73 |  | 4 |  | 19
Settlement balances |  | 2,068 |  | — |  | — |  | — |  | — |  | —
Derivatives held for hedging |  | (57) |  | (31) |  | 561 |  | 155 |  | (152) |  | (198)
Other financial liabilities |  | 6,967 |  | 9,293 |  | 16,953 |  | 10,062 |  | 7,905 |  | 292
Subordinated liabilities | ​ | 66 | ​ | 1,604 | ​ | 3,481 | ​ | 2,170 | ​ | 1,496 | ​ | 563
Other liabilities - Notes in circulation | ​ | 3,047 | ​ | — | ​ | — | ​ | — | ​ | — | ​ | —
Lease liabilities |  | 74 | ​ | 161 |  | 220 |  | 167 |  | 281 |  | 251
​ |  | 498,580 |  | 16,888 |  | 22,936 |  | 24,630 |  | 9,534 |  | 927
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Guarantees and commitments - notional amount |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Guarantees (2) |  | 2,055 |  | — | ​ | — | ​ | — | ​ | — | ​ | —
Commitments (3) |  | 118,536 |  | — |  | — |  | — |  | — |  | —
​ |  | 120,591 |  | — |  | — |  | — |  | — |  | —
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
2020 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Assets by contractual maturity up to 20 years |  | ​ |  | ​ |  | ​ |  | ​ |  | ​ |  | ​
Cash and balances at central banks |  | 124,489 |  | — |  | — |  | — |  | — |  | —
Derivatives held for hedging |  | 14 |  | 18 |  | 96 |  | — |  | 12 |  | 6
Settlement balances | ​ | 2,297 | ​ | — | ​ | — | ​ | — | ​ | — | ​ | —
Loans to banks - amortised cost |  | 5,600 | ​ | 1,245 | ​ | — | ​ | — | ​ | 1 | ​ | 110
Loans to customers - amortised cost |  | 47,507 |  | 46,718 |  | 65,138 |  | 58,680 |  | 81,544 |  | 88,155
Other financial assets (1) |  | 4,019 |  | 5,919 |  | 12,592 |  | 10,791 |  | 11,855 |  | 5,774
Finance lease | ​ | 48 | ​ | 366 | ​ | 840 | ​ | 671 | ​ | 895 | ​ | 545
​ | ​ | 183,974 | ​ | 54,266 |  | 78,666 |  | 70,142 |  | 94,307 |  | 94,590
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Liabilities by contractual maturity up to 20 years |  | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Bank deposits |  | 11,217 |  | 1,078 |  | 3,241 | ​ | 5,038 |  | — |  | —
Customer deposits |  | 421,763 |  | 8,528 |  | 1,407 |  | 23 |  | 26 |  | 20
Settlement balances |  | 5,545 |  | — |  | — |  | — |  | — |  | —
Derivatives held for hedging |  | 36 | ​ | (17) |  | 94 |  | 3 |  | 64 |  | (2)
Other financial liabilities |  | 4,716 |  | 8,144 |  | 15,558 |  | 11,470 |  | 7,358 |  | 254
Subordinated liabilities |  | 73 |  | 685 |  | 4,387 |  | 3,444 |  | 923 |  | 562
Other liabilities - Notes in circulation | ​ | 2,655 | ​ | — | ​ | — | ​ | — | ​ | — | ​ | —
Lease liabilities | ​ | 51 | ​ | 135 | ​ | 294 | ​ | 245 | ​ | 429 | ​ | 497
​ |  | 446,056 |  | 18,553 |  | 24,981 |  | 20,223 |  | 8,800 |  | 1,331
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Guarantees and commitments - notional amount |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Guarantees (2) |  | 2,244 |  | — | ​ | — | ​ | — | ​ | — | ​ | —
Commitments (3) |  | 121,922 |  | — |  | — |  | — |  | — |  | —
​ |  | 124,166 |  | — |  | — |  | — |  | — |  | —
​
(1) | Other financial assets excludes equity shares.
(2) | NatWest Group is only called upon to satisfy a guarantee when the guaranteed party fails to meet its obligations. NatWest Group expects most guarantees it provides to expire unused.
(3) | NatWest Group has given commitments to provide funds to customers under undrawn formal facilities, credit lines and other commitments to lend subject to certain conditions being met by the counterparty. NatWest Group does not expect all facilities to be drawn, and some may lapse before drawdown.

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