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  <xsd:element name="InterestExpenseOnSubordinatedLiabilities" id="nwg_InterestExpenseOnSubordinatedLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfNoninterestIncomeAbstract" id="nwg_DisclosureOfNoninterestIncomeAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfNoninterestIncomeTextBlock" id="nwg_DisclosureOfNoninterestIncomeTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PaymentServicesProviderFeeAndCommissionIncome" id="nwg_PaymentServicesProviderFeeAndCommissionIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="CreditRelatedFeeAndCommissionIncomeCards" id="nwg_CreditRelatedFeeAndCommissionIncomeCards" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="TradingIncomeExpenseOnInterestRate" id="nwg_TradingIncomeExpenseOnInterestRate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="TradingIncomeExpenseOnCredit" id="nwg_TradingIncomeExpenseOnCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities" id="nwg_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfInformationAboutStructuredEntitiesAbstract" id="nwg_DisclosureOfInformationAboutStructuredEntitiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ThirdPartyMember" id="nwg_ThirdPartyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherLoansMember" id="nwg_OtherLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansAndAdvancesToCustomersMember" id="nwg_LoansAndAdvancesToCustomersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LiquidityFacilitiesLoanCommitments" id="nwg_LiquidityFacilitiesLoanCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="CreditCardsMember" id="nwg_CreditCardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OverdraftsAndOtherUnsecuredLoansMember" id="nwg_OverdraftsAndOtherUnsecuredLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CoveredBondProgrammeMember" id="nwg_CoveredBondProgrammeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BankLevy" id="nwg_BankLevy" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="OtherAdministrativeExpenseExcludingBankLevy" id="nwg_OtherAdministrativeExpenseExcludingBankLevy" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="UlsterBankRoiMember" id="nwg_UlsterBankRoiMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommercialPrivateBankingMember" id="nwg_CommercialPrivateBankingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommercialBankingMember" id="nwg_CommercialBankingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PrivateBankingMember" id="nwg_PrivateBankingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RbsInternationalMember" id="nwg_RbsInternationalMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatwestMarketsMember" id="nwg_NatwestMarketsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CentralItemsOtherMember" id="nwg_CentralItemsOtherMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RestOfWorldMember" id="nwg_RestOfWorldMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AverageNumberOfTemporaryEmployees" id="nwg_AverageNumberOfTemporaryEmployees" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SharesaveOptionsMember" id="nwg_SharesaveOptionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredPerformanceAwardsMember" id="nwg_DeferredPerformanceAwardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LongTermIncentiveMember" id="nwg_LongTermIncentiveMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VestingLifeOfShareBasedAwards" id="nwg_VestingLifeOfShareBasedAwards" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement" id="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ValueAtGrantOfOtherEquityInstrumentsGrantedInShareBasedPaymentArrangement" id="nwg_ValueAtGrantOfOtherEquityInstrumentsGrantedInShareBasedPaymentArrangement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ValueAtGrantOfOtherEquityInstrumentsForfeitedInShareBasedPaymentArrangement" id="nwg_ValueAtGrantOfOtherEquityInstrumentsForfeitedInShareBasedPaymentArrangement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ValueAtGrantOfOtherEquityInstrumentsVestedInShareBasedPaymentArrangement" id="nwg_ValueAtGrantOfOtherEquityInstrumentsVestedInShareBasedPaymentArrangement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="NumberOfOptionsOverSharesOutstandingInShareBasedPaymentArrangement" id="nwg_NumberOfOptionsOverSharesOutstandingInShareBasedPaymentArrangement" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="NumberOfOptionsOverSharesLapsedInShareBasedPaymentArrangement" id="nwg_NumberOfOptionsOverSharesLapsedInShareBasedPaymentArrangement" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MarketValueOfAwardsVestedAndExercisedInShareBasedPaymentArrangement" id="nwg_MarketValueOfAwardsVestedAndExercisedInShareBasedPaymentArrangement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PersonalAndBusinessBankingPbbMember" id="nwg_PersonalAndBusinessBankingPbbMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommercialAndPrivateBankingCpbMember" id="nwg_CommercialAndPrivateBankingCpbMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CentralItemsAndOtherMember" id="nwg_CentralItemsAndOtherMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember" id="nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" id="nwg_OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ContingentLiabilitiesAndCommitments" id="nwg_ContingentLiabilitiesAndCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DirectorsAndKeyManagementRemunerationAbstract" id="nwg_DirectorsAndKeyManagementRemunerationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfDirectorsAndKeyManagementRemuneration" id="nwg_DisclosureOfDirectorsAndKeyManagementRemuneration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfInformationAboutDirectors" id="nwg_DisclosureOfInformationAboutDirectors" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonExecutiveDirectorsMember" id="nwg_NonExecutiveDirectorsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ChairmanAndExecutiveDirectorsMember" id="nwg_ChairmanAndExecutiveDirectorsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EquityAndCommodityPriceRiskMember" id="nwg_EquityAndCommodityPriceRiskMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansAndAdvancesToBanksMember" id="nwg_LoansAndAdvancesToBanksMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfOptionsOverSharesExercisableInShareBasedPaymentArrangement" id="nwg_NumberOfOptionsOverSharesExercisableInShareBasedPaymentArrangement" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="DisclosureOfTransferOfFinancialAssetsAbstract" id="nwg_DisclosureOfTransferOfFinancialAssetsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfAssetsPledgedAsCollateralTableTextBlock" id="nwg_DisclosureOfAssetsPledgedAsCollateralTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DepositsByBanksMember" id="nwg_DepositsByBanksMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CentralAndLocalGovernmentMember" id="nwg_CentralAndLocalGovernmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherMember" id="nwg_OtherMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CapitalResourcesAbstract" id="nwg_CapitalResourcesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfRegulatoryCapitalTableTextBlock" id="nwg_ScheduleOfRegulatoryCapitalTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PreferenceAttributableToOwnersOfParent" id="nwg_PreferenceAttributableToOwnersOfParent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments" id="nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="OwnCredit" id="nwg_OwnCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DefinedBenefitPensionFundAdjustment" id="nwg_DefinedBenefitPensionFundAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AdjustmentOfDeferredTaxAssets" id="nwg_AdjustmentOfDeferredTaxAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AdjustmentOfPrudentialValuation" id="nwg_AdjustmentOfPrudentialValuation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AdjustmentOfGoodwillAndOtherIntangibleAssets" id="nwg_AdjustmentOfGoodwillAndOtherIntangibleAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AdjustmentOfOtherRegulatoryRequirements" id="nwg_AdjustmentOfOtherRegulatoryRequirements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="TotalAdjustmentsAndDeductionsToEquityCapital" id="nwg_TotalAdjustmentsAndDeductionsToEquityCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CapitalEquityTier1Cet1Capital" id="nwg_CapitalEquityTier1Cet1Capital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="EligibleAdditionalTierOne" id="nwg_EligibleAdditionalTierOne" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="QualifyingInstrumentsAndRelatedSharePremiumSubjectToPhaseOut" id="nwg_QualifyingInstrumentsAndRelatedSharePremiumSubjectToPhaseOut" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdParties" id="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdParties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="AdditionalTierOneCapital" id="nwg_AdditionalTierOneCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="Tier1Capital" id="nwg_Tier1Capital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="QualifyingInstrumentsAndRelatedSharePremium" id="nwg_QualifyingInstrumentsAndRelatedSharePremium" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital" id="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="Tier2Capital" id="nwg_Tier2Capital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="TotalRegulatoryCapital" id="nwg_TotalRegulatoryCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="PillarOneCapitalRatioPra" id="nwg_PillarOneCapitalRatioPra" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="TierOneComponentRatioPra" id="nwg_TierOneComponentRatioPra" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="GovernmentFixedInterestBondsPercentageContributedToFairValueOfPlanAssets" id="nwg_GovernmentFixedInterestBondsPercentageContributedToFairValueOfPlanAssets" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets" id="nwg_CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="CashAndOtherAssetsPercentageContributedToFairValueOfPlanAssets" id="nwg_CashAndOtherAssetsPercentageContributedToFairValueOfPlanAssets" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="PlanAssetsPercentageContributionsToFairValueOfPlanAssets" id="nwg_PlanAssetsPercentageContributionsToFairValueOfPlanAssets" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="LongevityAtAge60ForCurrentPensionersMales" id="nwg_LongevityAtAge60ForCurrentPensionersMales" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LongevityAtAge60ForCurrentPensionersFemales" id="nwg_LongevityAtAge60ForCurrentPensionersFemales" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LongevityAtAge60ForFuturePensionersCurrentlyAged40Males" id="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Males" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LongevityAtAge60ForFuturePensionersCurrentlyAged40Females" id="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Females" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfActiveClassSchemeMembers" id="nwg_PercentageOfActiveClassSchemeMembers" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfDeferredClassSchemeMembers" id="nwg_PercentageOfDeferredClassSchemeMembers" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfPensionerClassSchemeMembers" id="nwg_PercentageOfPensionerClassSchemeMembers" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TotalClassOfSchemeMembers" id="nwg_TotalClassOfSchemeMembers" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ActuarialAssumptionOfLongevityIncreaseMember" id="nwg_ActuarialAssumptionOfLongevityIncreaseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ActuarialAssumptionOfLongevityIncrease" id="nwg_ActuarialAssumptionOfLongevityIncrease" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ActualReturnOnPlanAssets" id="nwg_ActualReturnOnPlanAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfActualReturnOnPlanAssets" id="nwg_PercentageOfActualReturnOnPlanAssets" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ValuationMethodAxis" id="nwg_ValuationMethodAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ValuationMethodMember" id="nwg_ValuationMethodMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FutureContributionToFunding" id="nwg_FutureContributionToFunding" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PensionLiabilityCalculatedAsPerActuarialAssumptions" id="nwg_PensionLiabilityCalculatedAsPerActuarialAssumptions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DeficitAsPerActuarialAssumptions" id="nwg_DeficitAsPerActuarialAssumptions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ActuarialAssumptionCashPayment" id="nwg_ActuarialAssumptionCashPayment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AverageCostOfFutureServiceOfCurrentMembersAsPercentageOfBasicSalaryBeforeContributions" id="nwg_AverageCostOfFutureServiceOfCurrentMembersAsPercentageOfBasicSalaryBeforeContributions" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FundingLevelAssumptionsPercentage" id="nwg_FundingLevelAssumptionsPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfDerivativeFinancialInstrumentsRelatingToPensionTableTextBlock" id="nwg_DisclosureOfDerivativeFinancialInstrumentsRelatingToPensionTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StandbyFacilitiesCreditLinesAndOtherCommitments" id="nwg_StandbyFacilitiesCreditLinesAndOtherCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="LegalProceedingsNomuraHoldingAmericaIncAndSubsidiariesMember" id="nwg_LegalProceedingsNomuraHoldingAmericaIncAndSubsidiariesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LegalProceedingLondonInterbankOfferedRateMember" id="nwg_LegalProceedingLondonInterbankOfferedRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LegalProceedingFxAntitrustLitigationMember" id="nwg_LegalProceedingFxAntitrustLitigationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LegalProceedingInterestRateSwapsAntitrustLitigationMember" id="nwg_LegalProceedingInterestRateSwapsAntitrustLitigationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InvestigationAuthoritiesAxis" id="nwg_InvestigationAuthoritiesAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InvestigationAuthoritiesMember" id="nwg_InvestigationAuthoritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LegalProceedingProvisionTreatmentOfTrackerMortgageCustomersMember" id="nwg_LegalProceedingProvisionTreatmentOfTrackerMortgageCustomersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FeeIncomeEarnedFromFiduciaryActivities" id="nwg_FeeIncomeEarnedFromFiduciaryActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LitigationSettlementPaid" id="nwg_LitigationSettlementPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NumberOfWireFraud" id="nwg_NumberOfWireFraud" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LegalProceedingsUsResidentialMortgageBackedSecuritiesLitigationMember" id="nwg_LegalProceedingsUsResidentialMortgageBackedSecuritiesLitigationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LegalProceedingMadoffLitigationMember" id="nwg_LegalProceedingMadoffLitigationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OrdinaryShareholderEquityMember" id="nwg_OrdinaryShareholderEquityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PreferenceShareholderEquityMember" id="nwg_PreferenceShareholderEquityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DividendsPaidEquityPreferenceShares" id="nwg_DividendsPaidEquityPreferenceShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DividendsPaidPaidInEquityShares" id="nwg_DividendsPaidPaidInEquityShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagementAbstract" id="nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagementAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagement" id="nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagement" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CashRatioDeposits" id="nwg_CashRatioDeposits" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfEventsAfterReportingPeriodAbstract" id="nwg_DisclosureOfEventsAfterReportingPeriodAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ThresholdEligibleLiabilitiesToCalculateNoninterestBearingDeposit" id="nwg_ThresholdEligibleLiabilitiesToCalculateNoninterestBearingDeposit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="WeightedAverageExercisePriceOfShareOptionsRollforwardAbstract" id="nwg_WeightedAverageExercisePriceOfShareOptionsRollforwardAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfOutstandingShareOptionsRollforwardAbstract" id="nwg_NumberOfOutstandingShareOptionsRollforwardAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ValueAtGrantOfOtherEquityInstrumentsOutstandingRollforwardAbstract" id="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingRollforwardAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfOtherEquityInstrumentsOutstandingRollforwardAbstract" id="nwg_NumberOfOtherEquityInstrumentsOutstandingRollforwardAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfOptionsOverSharesOutstandingRollforwardAbstract" id="nwg_NumberOfOptionsOverSharesOutstandingRollforwardAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ValueAtGrantOfInstrumentsLapsedInShareBasedPaymentArrangement" id="nwg_ValueAtGrantOfInstrumentsLapsedInShareBasedPaymentArrangement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="CarsAndLightCommercialVehiclesUnderOperatingLeasesMember" id="nwg_CarsAndLightCommercialVehiclesUnderOperatingLeasesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfOperatingRestructuringAndEmployeeCompensationExpensesTextBlock" id="nwg_DisclosureOfOperatingRestructuringAndEmployeeCompensationExpensesTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfOperatingExpensesTextBlock" id="nwg_DisclosureOfOperatingExpensesTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfEstimatedEconomicUsefulLifeOfIntangibleAssetsAndGoodwillTableTextBlock" id="nwg_DisclosureOfEstimatedEconomicUsefulLifeOfIntangibleAssetsAndGoodwillTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DescriptionOfNatureOfAccountingDevelopmentsPolicyTextBlock" id="nwg_DescriptionOfNatureOfAccountingDevelopmentsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfProvisionsTableTextBlock" id="nwg_ScheduleOfProvisionsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AssetsOfDisposalGroupsAbstract" id="nwg_AssetsOfDisposalGroupsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LiabilitiesOfDisposalGroupsAbstract" id="nwg_LiabilitiesOfDisposalGroupsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfTrusteeDirectorsNominated" id="nwg_NumberOfTrusteeDirectorsNominated" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="NumberOfTrusteeDirectorsAppointed" id="nwg_NumberOfTrusteeDirectorsAppointed" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="DefinedBenefitPlanPercentageOfTotalPlanAssets" id="nwg_DefinedBenefitPlanPercentageOfTotalPlanAssets" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="IncomeTaxDisclosureTable" id="nwg_IncomeTaxDisclosureTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxDisclosureLineItems" id="nwg_IncomeTaxDisclosureLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredTaxPensionMember" id="nwg_DeferredTaxPensionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredTaxAcceleratedCapitalAllowancesMember" id="nwg_DeferredTaxAcceleratedCapitalAllowancesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredTaxProvisionsMember" id="nwg_DeferredTaxProvisionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredTaxFairValueOfFinancialInstrumentsMember" id="nwg_DeferredTaxFairValueOfFinancialInstrumentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NationalWestminsterBankPlcMember" id="nwg_NationalWestminsterBankPlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="UlsterBankMember" id="nwg_UlsterBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfInformationAboutAmountsThatAffectedContinuingOperationsInOtherOperatingIncomeAsResultOfHedgeAccountingTableTextBlock" id="nwg_DisclosureOfInformationAboutAmountsThatAffectedContinuingOperationsInOtherOperatingIncomeAsResultOfHedgeAccountingTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CountriesOtherThanUsAndUkMember" id="nwg_CountriesOtherThanUsAndUkMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfMovementOfOrdinarySharesTableTextBlock" id="nwg_ScheduleOfMovementOfOrdinarySharesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfNonCumulativePreferenceSharesTableTextBlock" id="nwg_ScheduleOfNonCumulativePreferenceSharesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfOtherEquityInstrumentsTableTextBlock" id="nwg_DisclosureOfOtherEquityInstrumentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonCumulativePreferenceSharesUS01Member" id="nwg_NonCumulativePreferenceSharesUS01Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonCumulativePreferenceShares01Member" id="nwg_NonCumulativePreferenceShares01Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CumulativePreferenceShares1Member" id="nwg_CumulativePreferenceShares1Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RedeemedEquityPreferenceShares" id="nwg_RedeemedEquityPreferenceShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AuthorizedShareCapitalAmount" id="nwg_AuthorizedShareCapitalAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="AuthorizedShareCapitalAmountGranted" id="nwg_AuthorizedShareCapitalAmountGranted" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="SeriesUNonCumulativePreferenceSharesUS01Member" id="nwg_SeriesUNonCumulativePreferenceSharesUS01Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RedemptionPricePerShare" id="nwg_RedemptionPricePerShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="AdditionalTier1NotesCallableAugust2020UsdMember" id="nwg_AdditionalTier1NotesCallableAugust2020UsdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AdditionalTier1NotesCallableAugust2025UsdMember" id="nwg_AdditionalTier1NotesCallableAugust2025UsdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AdditionalTier1NotesCallableAugust2021UsdMember" id="nwg_AdditionalTier1NotesCallableAugust2021UsdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommonEquityTier1Ratio" id="nwg_CommonEquityTier1Ratio" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="ShareAndOptionAwardsMember" id="nwg_ShareAndOptionAwardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SharesIssuedDuringPeriod" id="nwg_SharesIssuedDuringPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ReconciliationOfValueOfSharesOutstandingAbstract" id="nwg_ReconciliationOfValueOfSharesOutstandingAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfSubordinatedLiabilitiesTableTextBlock" id="nwg_ScheduleOfSubordinatedLiabilitiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfIssuancesAndRedemptionsSubordinatedLiabilitiesTableTextBlock" id="nwg_ScheduleOfIssuancesAndRedemptionsSubordinatedLiabilitiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PreferenceSharesClassifiedAsLiabilities" id="nwg_PreferenceSharesClassifiedAsLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="IfrsCurrencyAxis" id="nwg_IfrsCurrencyAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IfrsAllCurrenciesDomain" id="nwg_IfrsAllCurrenciesDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherCurrencyMember" id="nwg_OtherCurrencyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RedemptionAxis" id="nwg_RedemptionAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RedemptionDomain" id="nwg_RedemptionDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AdditionalTier1NotesMember" id="nwg_AdditionalTier1NotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IfrsConsolidatedEntitiesAxis" id="nwg_IfrsConsolidatedEntitiesAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IfrsConsolidatedEntitiesDomain" id="nwg_IfrsConsolidatedEntitiesDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="WithinFiveYearsMember" id="nwg_WithinFiveYearsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareholdersEquityExcludingNonControllingInterestsAbstract" id="nwg_ShareholdersEquityExcludingNonControllingInterestsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RegulatoryAdjustmentsAndDeductionsAbstract" id="nwg_RegulatoryAdjustmentsAndDeductionsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IfrsOperatingLossCarryforwards" id="nwg_IfrsOperatingLossCarryforwards" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NumberOfDirectorsWithOutstandingLoanBalance" id="nwg_NumberOfDirectorsWithOutstandingLoanBalance" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="ReductionOfIssuedCapitalPreferenceShares" id="nwg_ReductionOfIssuedCapitalPreferenceShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentsForCurtailmentsOrSettlementLossGainDefinedBenefitPlanTaxAmount" id="nwg_AdjustmentsForCurtailmentsOrSettlementLossGainDefinedBenefitPlanTaxAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve" id="nwg_IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="MaturityAnalysisForFinancialInstrumentsTextBlock" id="nwg_MaturityAnalysisForFinancialInstrumentsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaturityAnalysisOfFinancialInstrumentsTableTextBlock" id="nwg_MaturityAnalysisOfFinancialInstrumentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfMaturityAnalysisForUndiscountedCashFlowsOfFinancialInstrumentsTableTextBlock" id="nwg_DisclosureOfMaturityAnalysisForUndiscountedCashFlowsOfFinancialInstrumentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancialAssetsOtherMember" id="nwg_FinancialAssetsOtherMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IfrsCashAndCashEquivalentsMember" id="nwg_IfrsCashAndCashEquivalentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SettlementBalancesAssetMember" id="nwg_SettlementBalancesAssetMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherFinancialLiabilitiesCategoryMember" id="nwg_OtherFinancialLiabilitiesCategoryMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IfrsOtherLiabilitiesMember" id="nwg_IfrsOtherLiabilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SubordinatedFinancialLiabilitiesMember" id="nwg_SubordinatedFinancialLiabilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SettlementBalancesLiabilitiesMember" id="nwg_SettlementBalancesLiabilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" id="nwg_OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="OtherFinancialCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="nwg_OtherFinancialCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DisclosureOfFairValueOfFinancialInstrumentsExplanatoryTableTextBlock" id="nwg_DisclosureOfFairValueOfFinancialInstrumentsExplanatoryTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CustomerAccountMember" id="nwg_CustomerAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SettlementBalancesAndShortPositionsMember" id="nwg_SettlementBalancesAndShortPositionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LaterThanTenYearsAndNotLaterThanTwentyYearsMember" id="nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaturingFinancialAssetsMember" id="nwg_MaturingFinancialAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DerivativeFinancialAssetsHeldForHedgingMember" id="nwg_DerivativeFinancialAssetsHeldForHedgingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaturingFinancialLiabilitiesMember" id="nwg_MaturingFinancialLiabilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DerivativeFinancialLiabilitiesHeldForHedgingMember" id="nwg_DerivativeFinancialLiabilitiesHeldForHedgingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtSecuritiesInIssueMember" id="nwg_DebtSecuritiesInIssueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ContractualMaturityPeriodForUndiscountedCashFlows" id="nwg_ContractualMaturityPeriodForUndiscountedCashFlows" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancialAssetsUndiscountedCashFlows" id="nwg_FinancialAssetsUndiscountedCashFlows" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="PeriodPrincipalAmountsOfFinancialLiabilitiesRepayableExcludedFromContractualMaturity" id="nwg_PeriodPrincipalAmountsOfFinancialLiabilitiesRepayableExcludedFromContractualMaturity" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PeriodInterestPaymentsOfFinancialLiabilitiesExcludedFromContractualMaturity" id="nwg_PeriodInterestPaymentsOfFinancialLiabilitiesExcludedFromContractualMaturity" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancialGuaranteesAndCommitmentsMember" id="nwg_FinancialGuaranteesAndCommitmentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancialCommitmentsMember" id="nwg_FinancialCommitmentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancialLiabilitiesUndiscountedCashFlows" id="nwg_FinancialLiabilitiesUndiscountedCashFlows" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="AdditionalTier1At1CapitalAbstract" id="nwg_AdditionalTier1At1CapitalAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="QualifyingTier2CapitalAbstract" id="nwg_QualifyingTier2CapitalAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CashFlowHedgingReserveAdjustmentToEquity" id="nwg_CashFlowHedgingReserveAdjustmentToEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="TrusteeAndOtherFiduciaryActivitiesAbstract" id="nwg_TrusteeAndOtherFiduciaryActivitiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="Uk2008RightsIssueShareholderLitigationAbstract" id="nwg_Uk2008RightsIssueShareholderLitigationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansAndAdvancesMember" id="nwg_LoansAndAdvancesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets" id="nwg_PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities" id="nwg_PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="IfrsDepositsMember" id="nwg_IfrsDepositsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AmountOfLegalClaim" id="nwg_AmountOfLegalClaim" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="CashCollateralPostedRelatedToDerivativeLiabilities" id="nwg_CashCollateralPostedRelatedToDerivativeLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FinancialAssetWriteoffPeriod" id="nwg_FinancialAssetWriteoffPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancialLiabilityNotSubjectToMasterNettingArrangement" id="nwg_FinancialLiabilityNotSubjectToMasterNettingArrangement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FinancialAssetsNotSubjectToMasterNettingArrangement" id="nwg_FinancialAssetsNotSubjectToMasterNettingArrangement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FinancialLiabilityIncludingInstrumentsOutsideNettingArrangement" id="nwg_FinancialLiabilityIncludingInstrumentsOutsideNettingArrangement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FinancialAssetsIncludingInstrumentsOutsideNettingArrangement" id="nwg_FinancialAssetsIncludingInstrumentsOutsideNettingArrangement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DisclosureOfFairValueFinancialInstrumentsMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock" id="nwg_DisclosureOfFairValueFinancialInstrumentsMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ForeignExchangeAndOtherAdjustmentsFairValueMeasurementAssets" id="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ForeignExchangeAndOtherAdjustmentsFairValueMeasurementLiabilities" id="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NotesInCirculationMember" id="nwg_NotesInCirculationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IfrsFinancialInstrumentPerformanceStatusAxis" id="nwg_IfrsFinancialInstrumentPerformanceStatusAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IfrsFinancialInstrumentPerformanceStatusDomain" id="nwg_IfrsFinancialInstrumentPerformanceStatusDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesExplanatoryTableTextBlock" id="nwg_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesExplanatoryTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IfrsCreditDefaultSwapMember" id="nwg_IfrsCreditDefaultSwapMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueCarriedForwardUponInitialRecognition" id="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueCarriedForwardUponInitialRecognition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueDeferredUponInitialRecognition" id="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueDeferredUponInitialRecognition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" id="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="IfrsEquitySwapMember" id="nwg_IfrsEquitySwapMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestAndForeignExchangeContractsMember" id="nwg_InterestAndForeignExchangeContractsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementOfFinancialInstrumentsExplanatoryTableTextBlock" id="nwg_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementOfFinancialInstrumentsExplanatoryTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CumulativePreferenceShares11PercentMember" id="nwg_CumulativePreferenceShares11PercentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CumulativePreferenceShares5.5PercentMember" id="nwg_CumulativePreferenceShares5.5PercentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfFailedUsBanksServedClaim" id="nwg_NumberOfFailedUsBanksServedClaim" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="PortionOfFinalPensionableSalaryForEachServiceYearConsideredAsPension" id="nwg_PortionOfFinalPensionableSalaryForEachServiceYearConsideredAsPension" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaximumNumberOfYearsOfServiceConsiderableForPension" id="nwg_MaximumNumberOfYearsOfServiceConsiderableForPension" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TrusteesMaximumThresholdLimitForIndirectInvestmentInGroupDefinedBenefitSchemesPercentage" id="nwg_TrusteesMaximumThresholdLimitForIndirectInvestmentInGroupDefinedBenefitSchemesPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FundingValuationsPeriodDefinedBenefitPensionSchemes" id="nwg_FundingValuationsPeriodDefinedBenefitPensionSchemes" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ActuarialAssumptionsOfDiscountRatesExpectedRatesOfSalaryAndPensionIncreasesInflationAndMortalityRatesMember" id="nwg_ActuarialAssumptionsOfDiscountRatesExpectedRatesOfSalaryAndPensionIncreasesInflationAndMortalityRatesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ProfitLossAttributableToPaidInEquityHoldersOfParentEntity" id="nwg_ProfitLossAttributableToPaidInEquityHoldersOfParentEntity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ComprehensiveIncomeAttributableToPaidInEquityHoldersOfParentEntity" id="nwg_ComprehensiveIncomeAttributableToPaidInEquityHoldersOfParentEntity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="EmployeeShareSchemesMember" id="nwg_EmployeeShareSchemesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LegalProceedingYenLondonInterbankOfferedRateAndEuroyenTokyoInterbankOfferedRateMember" id="nwg_LegalProceedingYenLondonInterbankOfferedRateAndEuroyenTokyoInterbankOfferedRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancialAssetsAndLiabilitiesCategoryMember" id="nwg_FinancialAssetsAndLiabilitiesCategoryMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IfrsLossContingencyNumberOfPlaintiffs" id="nwg_IfrsLossContingencyNumberOfPlaintiffs" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaximumAnnualSalaryInflation" id="nwg_MaximumAnnualSalaryInflation" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InflationRateSwapsMember" id="nwg_InflationRateSwapsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CurrencyForwardsMember" id="nwg_CurrencyForwardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EquityAndBondCallOptionsMember" id="nwg_EquityAndBondCallOptionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EquityAndBondPutOptionsMember" id="nwg_EquityAndBondPutOptionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherDerivativeInstrumentsMember" id="nwg_OtherDerivativeInstrumentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ActuarialAssumptionOfProportionOfPensionConvertedToCashLumpSumAtRetirement" id="nwg_ActuarialAssumptionOfProportionOfPensionConvertedToCashLumpSumAtRetirement" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="BusinessGrowthFundAssociateMember" id="nwg_BusinessGrowthFundAssociateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncreaseDecreaseThroughRedemptionOfDebtPreferenceSharesEquity" id="nwg_IncreaseDecreaseThroughRedemptionOfDebtPreferenceSharesEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AccountingDevelopmentsAbstract" id="nwg_AccountingDevelopmentsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IfrsGainsLossesOnExtinguishmentOfDebt" id="nwg_IfrsGainsLossesOnExtinguishmentOfDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NotAtFairValueMember" id="nwg_NotAtFairValueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates" id="nwg_GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="SharesInEntitySoldOrIssuedByEntityOrByItsSubsidiariesOrAssociates" id="nwg_SharesInEntitySoldOrIssuedByEntityOrByItsSubsidiariesOrAssociates" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InternalReviewFromLegalProceedingProvisionTreatmentOfTrackerMortgageCustomersMember" id="nwg_InternalReviewFromLegalProceedingProvisionTreatmentOfTrackerMortgageCustomersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LimitOfLossesCarriedForwardPercentage" id="nwg_LimitOfLossesCarriedForwardPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="OtherNonInterestIncome" id="nwg_OtherNonInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NetCashInflowOutflowFromTradingActivities" id="nwg_NetCashInflowOutflowFromTradingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OrdinaryShareholders" id="nwg_OrdinaryShareholders" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="OtherEquityOwners" id="nwg_OtherEquityOwners" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="NumberOfYearsProbation" id="nwg_NumberOfYearsProbation" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfNonClassAction" id="nwg_NumberOfNonClassAction" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="NumberOfSwapExecutionFacilities" id="nwg_NumberOfSwapExecutionFacilities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatWestBankMember" id="nwg_NatWestBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="UnderwritingFeeIncome" id="nwg_UnderwritingFeeIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LoansToBanksAmortisedCostMember" id="nwg_LoansToBanksAmortisedCostMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansToCustomersAmortisedCostMember" id="nwg_LoansToCustomersAmortisedCostMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherFinancialAssetsMember" id="nwg_OtherFinancialAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NwmNvAndSubsidiariesMember" id="nwg_NwmNvAndSubsidiariesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatwestMarketsPlcMember" id="nwg_NatwestMarketsPlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherFinancialLiabilitiesMember" id="nwg_OtherFinancialLiabilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExtendedInvestmentOwnershipVotingRightsOfInvestee" id="nwg_ExtendedInvestmentOwnershipVotingRightsOfInvestee" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfFairValueMeasurementValuationSensitivitiesForLevel3BalancesTableTextBlock" id="nwg_DisclosureOfFairValueMeasurementValuationSensitivitiesForLevel3BalancesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SecuritiesHeldSubjectToRepurchaseAgreement" id="nwg_SecuritiesHeldSubjectToRepurchaseAgreement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements" id="nwg_OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="TradingAssetsMember" id="nwg_TradingAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IfrsLoansMember" id="nwg_IfrsLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherDebtSecuritiesInIssueMember" id="nwg_OtherDebtSecuritiesInIssueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherDepositsMember" id="nwg_OtherDepositsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TradingAssetsAndLiabilitiesAbstract" id="nwg_TradingAssetsAndLiabilitiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfTradingAssetsAndLiabilitiesTextBlock" id="nwg_DisclosureOfTradingAssetsAndLiabilitiesTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfTradingAssetsAndLiabilitiesTable" id="nwg_DisclosureOfTradingAssetsAndLiabilitiesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfTradingAssetsAndLiabilitiesLineItems" id="nwg_DisclosureOfTradingAssetsAndLiabilitiesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansAbstract" id="nwg_LoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ReverseRepurchaseAgreements" id="nwg_ReverseRepurchaseAgreements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="CollateralOnSecuritiesBorrowed" id="nwg_CollateralOnSecuritiesBorrowed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="SecuritiesAbstract" id="nwg_SecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TradingAssets" id="nwg_TradingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="Ifrs_depositsAbstract" id="nwg_Ifrs_depositsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RepurchaseAgreements" id="nwg_RepurchaseAgreements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CollateralOnSecuritiesLent" id="nwg_CollateralOnSecuritiesLent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DepositsOther" id="nwg_DepositsOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DisclosureOfOtherFinancialAssetsTextBlock" id="nwg_DisclosureOfOtherFinancialAssetsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfOtherFinancialAssetsTableTextBlock" id="nwg_ScheduleOfOtherFinancialAssetsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TradingReverseRepurchaseAgreementMember" id="nwg_TradingReverseRepurchaseAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TradingRepurchaseAgreementMember" id="nwg_TradingRepurchaseAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfFinancialAssetsAndLiabilitiesTable" id="nwg_DisclosureOfFinancialAssetsAndLiabilitiesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfFinancialAssetsAndLiabilitiesLineItems" id="nwg_DisclosureOfFinancialAssetsAndLiabilitiesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfLoanImpairmentProvisionsAbstract" id="nwg_DisclosureOfLoanImpairmentProvisionsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfLoanExposureAndImpairmentMetrixTableTextBlock" id="nwg_DisclosureOfLoanExposureAndImpairmentMetrixTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExpectedCreditLossProvisionCoverage" id="nwg_ExpectedCreditLossProvisionCoverage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract" id="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" id="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetFinancialAssetsOrLiabilitiesSubjectToOffSettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffSettingEnforceableMasterNettingArrangementsOrSimilarAgreements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" id="nwg_OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" id="nwg_CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="AmountsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilitiesAbstract" id="nwg_AmountsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilitiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" id="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="GrossFinancialAssetsOrLiabilitiesSetOffAgainstFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="nwg_GrossFinancialAssetsOrLiabilitiesSetOffAgainstFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="GrossFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="nwg_GrossFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="FinancialAssetsOrLiabilitiesNotSubjectToMasterNettingArrangement" id="nwg_FinancialAssetsOrLiabilitiesNotSubjectToMasterNettingArrangement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="FinancialAssetsOrLiabilitiesIncludingInstrumentsOutsideNettingArrangement" id="nwg_FinancialAssetsOrLiabilitiesIncludingInstrumentsOutsideNettingArrangement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="ScheduleOfFinancialInstrumentsValuationAdjustmentsTableTextBlock" id="nwg_ScheduleOfFinancialInstrumentsValuationAdjustmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SettlementBalancesAssetsMember" id="nwg_SettlementBalancesAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StagesOfImpairmentAxis" id="nwg_StagesOfImpairmentAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StagesOfImpairmentDomain" id="nwg_StagesOfImpairmentDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StageOneMember" id="nwg_StageOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StageTwoMember" id="nwg_StageTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StageThreeMember" id="nwg_StageThreeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="Ifrs_otherAssetsAbstract" id="nwg_Ifrs_otherAssetsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherAssetsOther" id="nwg_OtherAssetsOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ScheduleOfOtherAssetsDisclosureTableTextBlock" id="nwg_ScheduleOfOtherAssetsDisclosureTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonInterestIncomeExpense" id="nwg_NonInterestIncomeExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfOtherFinancialLiabilitiesTextBlock" id="nwg_DisclosureOfOtherFinancialLiabilitiesTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisposalGroupLiabilities" id="nwg_DisposalGroupLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="OtherLiabilitiesOther" id="nwg_OtherLiabilitiesOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="Ifrs_otherLiabilitiesAbstract" id="nwg_Ifrs_otherLiabilitiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfOtherLiabilitiesDisclosureTableTextBlock" id="nwg_ScheduleOfOtherLiabilitiesDisclosureTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ForeignExchangeHedgesMember" id="nwg_ForeignExchangeHedgesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LaterThanTwentyYearsMember" id="nwg_LaterThanTwentyYearsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AverageFixedInterestRateMember" id="nwg_AverageFixedInterestRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember" id="nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember" id="nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember" id="nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ActuarialAssumptionOfExpectedRatesOfEquityValueIncreasesMember" id="nwg_ActuarialAssumptionOfExpectedRatesOfEquityValueIncreasesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" id="nwg_IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" id="nwg_IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="ProductAndDealSpecificAbstract" id="nwg_ProductAndDealSpecificAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FundingValuationAdjustments" id="nwg_FundingValuationAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="CreditValuationAdjustments" id="nwg_CreditValuationAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BidOfferAdjustments" id="nwg_BidOfferAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ProductAndDealSpecificAdjustments" id="nwg_ProductAndDealSpecificAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FinancialInstrumentsValuationAdjustments" id="nwg_FinancialInstrumentsValuationAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DebtSecuritiesInterestIncome" id="nwg_DebtSecuritiesInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DerivativeFinancialLiabilitiesInterestIncome" id="nwg_DerivativeFinancialLiabilitiesInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" id="nwg_DisclosureOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfEffectiveIncomeTaxRateReconciliationTableTextBlock" id="nwg_DisclosureOfEffectiveIncomeTaxRateReconciliationTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfRecognisedDeferredTaxAssetsInRespectOfTaxLossesTableTextBlock" id="nwg_DisclosureOfRecognisedDeferredTaxAssetsInRespectOfTaxLossesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfOtherFinancialLiabilitiesTableTextBlock" id="nwg_ScheduleOfOtherFinancialLiabilitiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DepositsByCustomerMember" id="nwg_DepositsByCustomerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfFinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" id="nwg_PercentageOfFinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TradingRepurchaseReverseRepurchaseAgreementsMember" id="nwg_TradingRepurchaseReverseRepurchaseAgreementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherTradingLoans" id="nwg_OtherTradingLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="IfrsTradingLiabilitiesMember" id="nwg_IfrsTradingLiabilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TradingLoans" id="nwg_TradingLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AdjustmentForForeseeableOrdinaryDividends" id="nwg_AdjustmentForForeseeableOrdinaryDividends" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="LoansToBanksAmortisedCostReverseRepurchaseAgreementMember" id="nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember" id="nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TradingAssetsReverseRepurchaseAgreementMember" id="nwg_TradingAssetsReverseRepurchaseAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DepositsByBanksRepurchaseAgreementMember" id="nwg_DepositsByBanksRepurchaseAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DepositsByCustomerRepurchaseAgreementMember" id="nwg_DepositsByCustomerRepurchaseAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TradingLiabilitiesRepurchaseAgreementMember" id="nwg_TradingLiabilitiesRepurchaseAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterimDividendPaid" id="nwg_InterimDividendPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="PaymentOfAuditorsRemuneration" id="nwg_PaymentOfAuditorsRemuneration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="InterimDividendPaidOrdinarySharesPerShare" id="nwg_InterimDividendPaidOrdinarySharesPerShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VisaIncMember" id="nwg_VisaIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansAndAdvancesToBanksAndCustomersMember" id="nwg_LoansAndAdvancesToBanksAndCustomersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancialAssetsOtherSecuritiesMember" id="nwg_FinancialAssetsOtherSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DepositsByBankAndCustomerMember" id="nwg_DepositsByBankAndCustomerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExchangeRateRiskMember" id="nwg_ExchangeRateRiskMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherCreditRiskTransferSecuritisationsMember" id="nwg_OtherCreditRiskTransferSecuritisationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherComprehensiveIncomeBeforeTaxGainsLossesOnOtherMovementsInDefinedBenefitPlans" id="nwg_OtherComprehensiveIncomeBeforeTaxGainsLossesOnOtherMovementsInDefinedBenefitPlans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentsForOtherMovementsInDefinedBenefitPlan" id="nwg_AdjustmentsForOtherMovementsInDefinedBenefitPlan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfMaturityAnalysisForHedgingContractsTableTextBlock" id="nwg_DisclosureOfMaturityAnalysisForHedgingContractsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfDetailedInformationAboutAssetsAndLiabilitiesSubjectToHedgingDerivatives" id="nwg_DisclosureOfDetailedInformationAboutAssetsAndLiabilitiesSubjectToHedgingDerivatives" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PersonalBankingMember" id="nwg_PersonalBankingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxBenefitFromServicingCostOfInstruments" id="nwg_IncomeTaxBenefitFromServicingCostOfInstruments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="DescriptionOfAccountingPolicyForCriticalAccountingPoliciesAndKeySourcesOfEstimationUncertaintyTextBlock" id="nwg_DescriptionOfAccountingPolicyForCriticalAccountingPoliciesAndKeySourcesOfEstimationUncertaintyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaximumTotalTransactionValue" id="nwg_MaximumTotalTransactionValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ForeignExchangeRelatedInvestigationsMember" id="nwg_ForeignExchangeRelatedInvestigationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentInBalanceDueToImplementationOfIfrs16" id="nwg_AdjustmentInBalanceDueToImplementationOfIfrs16" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AlawwalBankMergerMember" id="nwg_AlawwalBankMergerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TaxEffectOnGainOnSaleOfAlawwalBankMergerDisposal" id="nwg_TaxEffectOnGainOnSaleOfAlawwalBankMergerDisposal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="LegacyLiabilityReleaseAmount" id="nwg_LegacyLiabilityReleaseAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesTable" id="nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesLineItems" id="nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PriceMeasurementInputMember" id="nwg_PriceMeasurementInputMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CorrelationMeasurementInputMember" id="nwg_CorrelationMeasurementInputMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="UpfrontPointsMeasurementInputMember" id="nwg_UpfrontPointsMeasurementInputMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RecoveryRateMeasurementInputMember" id="nwg_RecoveryRateMeasurementInputMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PriceBasedMember" id="nwg_PriceBasedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" id="nwg_PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" id="nwg_PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfDetailedInformationAboutHedgedInstrumentsAffectedByInterestRateBenchmarkReformExplanatory" id="nwg_DisclosureOfDetailedInformationAboutHedgedInstrumentsAffectedByInterestRateBenchmarkReformExplanatory" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfDetailedInformationAboutRiskExposuresAffectedByInterestRateBenchmarkReformExplanatory" id="nwg_DisclosureOfDetailedInformationAboutRiskExposuresAffectedByInterestRateBenchmarkReformExplanatory" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfDetailedInformationAboutCashFlowReservesAndForeignExchangeReservesExplanatory" id="nwg_DisclosureOfDetailedInformationAboutCashFlowReservesAndForeignExchangeReservesExplanatory" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EuroInterbankOfferedRateEuriborMember" id="nwg_EuroInterbankOfferedRateEuriborMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BankOfEnglandBoeBaseRateMember" id="nwg_BankOfEnglandBoeBaseRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EuropeanCentralBankEcbRefinanceRefiRateMember" id="nwg_EuropeanCentralBankEcbRefinanceRefiRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SterlingOverNightIndexAverageMember" id="nwg_SterlingOverNightIndexAverageMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NotionalAmountOfRiskExposure" id="nwg_NotionalAmountOfRiskExposure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="FairValueHedgedAdjustmentsOfRiskExposure" id="nwg_FairValueHedgedAdjustmentsOfRiskExposure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity" id="nwg_IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="IncreaseDecreaseThroughReserveOfExchangeDifferencesOnTranslationHedgesEquity" id="nwg_IncreaseDecreaseThroughReserveOfExchangeDifferencesOnTranslationHedgesEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="HmTreasuryMember" id="nwg_HmTreasuryMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfDetailedInformationAboutLessorOperatingLeaseAssetsOnBalanceSheetExplanatory" id="nwg_DisclosureOfDetailedInformationAboutLessorOperatingLeaseAssetsOnBalanceSheetExplanatory" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfLeasesAbstract" id="nwg_DisclosureOfLeasesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PlantAndEquipmentMember" id="nwg_PlantAndEquipmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ImpairmentLossRightOfUseAssets" id="nwg_ImpairmentLossRightOfUseAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="RightOfUseAssetsAccumulatedDepreciation" id="nwg_RightOfUseAssetsAccumulatedDepreciation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DisclosureOfQuantitativeInformationAboutFinanceLeasesForLessorAbstract" id="nwg_DisclosureOfQuantitativeInformationAboutFinanceLeasesForLessorAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfQuantitativeInformationAboutOperatingLeasesForLessorAbstract" id="nwg_DisclosureOfQuantitativeInformationAboutOperatingLeasesForLessorAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16" id="nwg_MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="LessorFinanceLeaseAccumulatedImpairmentLoss" id="nwg_LessorFinanceLeaseAccumulatedImpairmentLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FinancialLiabilitiesOtherMember" id="nwg_FinancialLiabilitiesOtherMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IfrsNettingMember" id="nwg_IfrsNettingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PeriodAxis" id="nwg_PeriodAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PeriodDomain" id="nwg_PeriodDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ChangeInActuarialAssumptionOfLongevityAxis" id="nwg_ChangeInActuarialAssumptionOfLongevityAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ChangeInActuarialAssumptionOfLongevityDomain" id="nwg_ChangeInActuarialAssumptionOfLongevityDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ActuarialAssumptionOfLongevityDecreaseByTwoYearsMember" id="nwg_ActuarialAssumptionOfLongevityDecreaseByTwoYearsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ActuarialAssumptionOfLongevityDecreaseByOneYearMember" id="nwg_ActuarialAssumptionOfLongevityDecreaseByOneYearMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ActuarialAssumptionOfLongevityNoChangeMember" id="nwg_ActuarialAssumptionOfLongevityNoChangeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ActuarialAssumptionOfLongevityIncreaseByOneYearMember" id="nwg_ActuarialAssumptionOfLongevityIncreaseByOneYearMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ActuarialAssumptionOfLongevityIncreaseByTwoYearsMember" id="nwg_ActuarialAssumptionOfLongevityIncreaseByTwoYearsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption" id="nwg_IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="BonusAwards" id="nwg_BonusAwards" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentOfForeseeableCharges" id="nwg_AdjustmentOfForeseeableCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BonusAwardsMember" id="nwg_BonusAwardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonDeferredBonusAwardsMember" id="nwg_NonDeferredBonusAwardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonDeferredCashAwardsMember" id="nwg_NonDeferredCashAwardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredBonusAwardsMember" id="nwg_DeferredBonusAwardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredShareAwardsMember" id="nwg_DeferredShareAwardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfVariance" id="nwg_PercentageOfVariance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BonusAwardsAsPercentageOfAdjustedOperatingProfit" id="nwg_BonusAwardsAsPercentageOfAdjustedOperatingProfit" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ProportionOfDeferredBonusAwards" id="nwg_ProportionOfDeferredBonusAwards" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CashAwards" id="nwg_CashAwards" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DeferralChargesForAmountsAwardedForCurrentYear" id="nwg_DeferralChargesForAmountsAwardedForCurrentYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="BonusAwardsChargedToProfitAndLossAwardedInCurrentYear" id="nwg_BonusAwardsChargedToProfitAndLossAwardedInCurrentYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BonusAwardsCurrentYearChargeDeferredFromPriorYears" id="nwg_BonusAwardsCurrentYearChargeDeferredFromPriorYears" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BonusAwardsForfeitureOfAmountsDeferredFromPriorYears" id="nwg_BonusAwardsForfeitureOfAmountsDeferredFromPriorYears" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="BonusAwardsChargedToProfitAndLossDeferredFromPriorYears" id="nwg_BonusAwardsChargedToProfitAndLossDeferredFromPriorYears" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BonusAwardsChargedToProfitAndLoss" id="nwg_BonusAwardsChargedToProfitAndLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BonusAwardsDeferredFromPriorYear" id="nwg_BonusAwardsDeferredFromPriorYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BonusAwardsForfeitureAmountsDeferredFromPriorYears" id="nwg_BonusAwardsForfeitureAmountsDeferredFromPriorYears" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="BonusAwardsDeferredCurrentYear" id="nwg_BonusAwardsDeferredCurrentYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" id="nwg_BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfBonusAwardsTableTextBlock" id="nwg_DisclosureOfBonusAwardsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfReconciliationOfBonusAwardsToIncomeStatementChargeTableTextBlock" id="nwg_DisclosureOfReconciliationOfBonusAwardsToIncomeStatementChargeTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfIncomeStatementChargeActualAndExpectedForBonusAwardsTableTextBlock" id="nwg_DisclosureOfIncomeStatementChargeActualAndExpectedForBonusAwardsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TaxEffectOnFxRecyclingOnLiquidationOfRfsHoldings" id="nwg_TaxEffectOnFxRecyclingOnLiquidationOfRfsHoldings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="OtcDerivativeLtdMember" id="nwg_OtcDerivativeLtdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CashAtCentralBanksMember" id="nwg_CashAtCentralBanksMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinanceLeaseMember" id="nwg_FinanceLeaseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AmountOfImpactOfGuaranteedMinimumPensionEqualisation" id="nwg_AmountOfImpactOfGuaranteedMinimumPensionEqualisation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DerivativesBeforeIfrsNettingMember" id="nwg_DerivativesBeforeIfrsNettingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BonusAwardsDeferredPriorYearTwoAndEarlier" id="nwg_BonusAwardsDeferredPriorYearTwoAndEarlier" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="VolatilityMeasurementInputMember" id="nwg_VolatilityMeasurementInputMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities" id="nwg_AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="RfsHoldingsMember" id="nwg_RfsHoldingsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="UbiDacMember" id="nwg_UbiDacMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LendingOfOwnIssuedSecuritiesMember" id="nwg_LendingOfOwnIssuedSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" id="nwg_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="MeanReversalMeasurementInputMember" id="nwg_MeanReversalMeasurementInputMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OperatingLeaseAndOtherRentalIncome" id="nwg_OperatingLeaseAndOtherRentalIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="RepaymentsOfCapitalInSubsidiaries" id="nwg_RepaymentsOfCapitalInSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentsForGainLossOnDisposalsOtherFinancialAssets" id="nwg_AdjustmentsForGainLossOnDisposalsOtherFinancialAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentsForChangeInFairValueOfOtherFinancialAssets" id="nwg_AdjustmentsForChangeInFairValueOfOtherFinancialAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentsForDecreaseIncreaseInOtherFinancialAssets" id="nwg_AdjustmentsForDecreaseIncreaseInOtherFinancialAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ProceedsFromDisposalOrMaturityOfOtherFinancialAssets" id="nwg_ProceedsFromDisposalOrMaturityOfOtherFinancialAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PurchaseOfOtherFinancialAssets" id="nwg_PurchaseOfOtherFinancialAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ProceedsFromIssuanceOfMinimumRequirementForOwnFundsAndEligibleLiabilities" id="nwg_ProceedsFromIssuanceOfMinimumRequirementForOwnFundsAndEligibleLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="RepaymentsAndMaturitiesOfMinimumRequirementForOwnFundsAndEligibleLiabilities" id="nwg_RepaymentsAndMaturitiesOfMinimumRequirementForOwnFundsAndEligibleLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="InterestPaidOnMinimumRequirementForOwnFundsAndEligibleLiabilities" id="nwg_InterestPaidOnMinimumRequirementForOwnFundsAndEligibleLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="PriorPeriodRebateOnBankLevy" id="nwg_PriorPeriodRebateOnBankLevy" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember" id="nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DescriptionOfAccountingPolicyForSharesInGroupEntities" id="nwg_DescriptionOfAccountingPolicyForSharesInGroupEntities" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EquityRaised" id="nwg_EquityRaised" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="EquityWithdrawnAndDisposals" id="nwg_EquityWithdrawnAndDisposals" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BasisPointsOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" id="nwg_BasisPointsOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BasisPointsOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" id="nwg_BasisPointsOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NotesCalledForRedemption" id="nwg_NotesCalledForRedemption" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CostIncomeRatio" id="nwg_CostIncomeRatio" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfInformationAboutImpactOnCommercialBankingViuOfReasonablyPossibleChangesToKeyAssumptionsTableTextBlock" id="nwg_DisclosureOfInformationAboutImpactOnCommercialBankingViuOfReasonablyPossibleChangesToKeyAssumptionsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VarianceAxis" id="nwg_VarianceAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VarianceDomain" id="nwg_VarianceDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ChangeToReduceHeadroomToNilMember" id="nwg_ChangeToReduceHeadroomToNilMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ForecastIncomeRate" id="nwg_ForecastIncomeRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RetailBankingMember" id="nwg_RetailBankingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="RealisedGainsInPeriodOnFvociEquitySharesGross" id="nwg_RealisedGainsInPeriodOnFvociEquitySharesGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfIborRelatedExposureByCurrencyAndNatureOfFinancialInstrumentsExplanatoryTableTextBlock" id="nwg_ScheduleOfIborRelatedExposureByCurrencyAndNatureOfFinancialInstrumentsExplanatoryTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossOfAssetsOtherThanFinancialAssetsRecognisedInProfitOrLoss" id="nwg_AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossOfAssetsOtherThanFinancialAssetsRecognisedInProfitOrLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentsForChangeInFairValueOfOtherFinancialLiabilitiesAndSubordinatedLiabilities" id="nwg_AdjustmentsForChangeInFairValueOfOtherFinancialLiabilitiesAndSubordinatedLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="InterestOnMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" id="nwg_InterestOnMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="IncreaseDecreaseInNotesInCirculation" id="nwg_IncreaseDecreaseInNotesInCirculation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ProfitOnSaleOfMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" id="nwg_ProfitOnSaleOfMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LossGainOnSaleOfOtherAssetsAndNetLiabilities" id="nwg_LossGainOnSaleOfOtherAssetsAndNetLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
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  <xsd:element name="DisclosureOfAnalysisOfAssetCategoriesForThoseOwnAssetSecuritisationWhereTransferredAssetsContinuedToBeRecordedOnCompanySBalanceSheetExplanatory" id="nwg_DisclosureOfAnalysisOfAssetCategoriesForThoseOwnAssetSecuritisationWhereTransferredAssetsContinuedToBeRecordedOnCompanySBalanceSheetExplanatory" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="AmountOfLegalClaimQuantifiedToAppeal" id="nwg_AmountOfLegalClaimQuantifiedToAppeal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
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  <xsd:element name="UsInvestigationsRelatingToFixedIncomeSecuritiesMember" id="nwg_UsInvestigationsRelatingToFixedIncomeSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="UkCompetitionAppealTribunalMember" id="nwg_UkCompetitionAppealTribunalMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfApplicationsForOptOutCollectiveProceedings" id="nwg_NumberOfApplicationsForOptOutCollectiveProceedings" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TelAvivDistrictCourtFxAntitrustLitigationsMember" id="nwg_TelAvivDistrictCourtFxAntitrustLitigationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumerOfMotionsToCertifyFxRelatedClassActions" id="nwg_NumerOfMotionsToCertifyFxRelatedClassActions" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfOtherPartiesSubjectToLawsuitOrLegalInvestigation" id="nwg_NumberOfOtherPartiesSubjectToLawsuitOrLegalInvestigation" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="FinancialCommitmentsAndGuaranteesMember" id="nwg_FinancialCommitmentsAndGuaranteesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="DepreciationAndAmortisationAndImpairmentOfOtherIntangibleAssets" id="nwg_DepreciationAndAmortisationAndImpairmentOfOtherIntangibleAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
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  <xsd:element name="OnePercentAdverseMovementInDiscountRateMember" id="nwg_OnePercentAdverseMovementInDiscountRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="FivePercentAdverseMovementInForecastIncomeMember" id="nwg_FivePercentAdverseMovementInForecastIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="SecuredDebtSecuritiesMember" id="nwg_SecuredDebtSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember" id="nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="NewJerseyCarpentersHealthFundMember" id="nwg_NewJerseyCarpentersHealthFundMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="OtherLiborCasesMember" id="nwg_OtherLiborCasesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfPendingMotions" id="nwg_NumberOfPendingMotions" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
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  <xsd:element name="OperatingProfitLossFromContinuingOperationsBeforeTax" id="nwg_OperatingProfitLossFromContinuingOperationsBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember" id="nwg_ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="HmrcMember" id="nwg_HmrcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="DebtSecuritiesInIssueTradingMember" id="nwg_DebtSecuritiesInIssueTradingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ShortPositionsTradingMember" id="nwg_ShortPositionsTradingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
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  <xsd:element name="ReductionOfPaidInCapitalSharesReclassified" id="nwg_ReductionOfPaidInCapitalSharesReclassified" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
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  <xsd:element name="NumberOfSharesSettledAndCancelledDuringPeriod" id="nwg_NumberOfSharesSettledAndCancelledDuringPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ConsiderationOfRepurchasedAndCancelledSharesExcludingFees" id="nwg_ConsiderationOfRepurchasedAndCancelledSharesExcludingFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="RedemptionOfPaidInCapitalIncludesTaxCredit" id="nwg_RedemptionOfPaidInCapitalIncludesTaxCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="Note1.642SeniorCallableFixedToFixedResetRateNotesDue2027Member" id="nwg_Note1.642SeniorCallableFixedToFixedResetRateNotesDue2027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="Notes4.8FixedRateNotesDue2026Member" id="nwg_Notes4.8FixedRateNotesDue2026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NatwestGroupPlc1000Million2.105DatedNotes2031Member" id="nwg_NatwestGroupPlc1000Million2.105DatedNotes2031Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NatwestGroupPlc750Million1.043DatedNotes2032Member" id="nwg_NatwestGroupPlc750Million1.043DatedNotes2032Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NatwestGroupPlcUs106MillionFloatingRateUndatedNotesCallableOnAnyInterestPaymentDateMember" id="nwg_NatwestGroupPlcUs106MillionFloatingRateUndatedNotesCallableOnAnyInterestPaymentDateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NatwestGroupPlcUs2650Million8.625DatedNotes2021Member" id="nwg_NatwestGroupPlcUs2650Million8.625DatedNotes2021Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NatwestGroupPlcUs2250Million5.125DatedNotes2024Member" id="nwg_NatwestGroupPlcUs2250Million5.125DatedNotes2024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NatwestGroupPlcUs2000Million6DatedNotes2023Member" id="nwg_NatwestGroupPlcUs2000Million6DatedNotes2023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NatwestMarketsPlc144.4MillionFloatingRateDatedNotes2023Member" id="nwg_NatwestMarketsPlc144.4MillionFloatingRateDatedNotes2023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NatwestMarketsPlc31Million3.0883NotesMember" id="nwg_NatwestMarketsPlc31Million3.0883NotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
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  <xsd:element name="NationalWestMinisterBankPlcMember" id="nwg_NationalWestMinisterBankPlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
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  <xsd:element name="NationalWestMinisterBankPlc300Million6.5SubordinatedNotes2021Member" id="nwg_NationalWestMinisterBankPlc300Million6.5SubordinatedNotes2021Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
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  <xsd:element name="NationalWestMinisterBankPlc140Million9CumulativePreferenceSharesOf1Member" id="nwg_NationalWestMinisterBankPlc140Million9CumulativePreferenceSharesOf1Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DeferredCashAwardsMember" id="nwg_DeferredCashAwardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ContributionsToPlanByEmployerCappedAmount" id="nwg_ContributionsToPlanByEmployerCappedAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ActuarialAssumptionOfFixedInterestSwapAndGuiltYieldsPlusPercentage" id="nwg_ActuarialAssumptionOfFixedInterestSwapAndGuiltYieldsPlusPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Male" id="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Male" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Female" id="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Female" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
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  <xsd:element name="NatwestMarketNVMember" id="nwg_NatwestMarketNVMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfLegallyBindingAgreementsForSaleOfBusiness" id="nwg_NumberOfLegallyBindingAgreementsForSaleOfBusiness" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BindingSaleAgreementTransferAdditionalAmountOfUndrawnExposure" id="nwg_BindingSaleAgreementTransferAdditionalAmountOfUndrawnExposure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ApproximateNumberOfEmployeesHaveRightToTransfer" id="nwg_ApproximateNumberOfEmployeesHaveRightToTransfer" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="SharesRedeemedDuringPeriod" id="nwg_SharesRedeemedDuringPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AuthorizedShareCapitalAmountGrantedAfterBuybackEffect" id="nwg_AuthorizedShareCapitalAmountGrantedAfterBuybackEffect" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="TreasurySharesReIssuedForOptionsExercise" id="nwg_TreasurySharesReIssuedForOptionsExercise" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="IfrsPreferredStockDividendRatePercentage" id="nwg_IfrsPreferredStockDividendRatePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="RiskFreeInterestRateMember" id="nwg_RiskFreeInterestRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="IfrsCrossCurrencyInterestRateContractMember" id="nwg_IfrsCrossCurrencyInterestRateContractMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SecuredOvernightFinancingRateMember" id="nwg_SecuredOvernightFinancingRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NotionalAmountConvertibleToRepricing" id="nwg_NotionalAmountConvertibleToRepricing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AdditionalTier1NotesJune2021IssuanceUsdMember" id="nwg_AdditionalTier1NotesJune2021IssuanceUsdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
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  <xsd:element name="IfrsTaxCreditCarryforwardAmount" id="nwg_IfrsTaxCreditCarryforwardAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="SubjectToConversionProvisionsUnderIborReformMember" id="nwg_SubjectToConversionProvisionsUnderIborReformMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MiscellaneousOtherProvisionMember" id="nwg_MiscellaneousOtherProvisionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LegalProceedingSpoofingLitigationMember" id="nwg_LegalProceedingSpoofingLitigationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfSecuritiesFrauds" id="nwg_NumberOfSecuritiesFrauds" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="LossContingencyPenaltyPaidAmountCriminalFines" id="nwg_LossContingencyPenaltyPaidAmountCriminalFines" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LossContingencyPenaltyPaidAmountCriminalForfeiture" id="nwg_LossContingencyPenaltyPaidAmountCriminalForfeiture" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LossContingencyPenaltyPaidAmountRestitution" id="nwg_LossContingencyPenaltyPaidAmountRestitution" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ProfitLossFromContinuingOperationsPensionSchemes" id="nwg_ProfitLossFromContinuingOperationsPensionSchemes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
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  <xsd:element name="CurrencyTranslationAdjustmentsAndOtherMovements" id="nwg_CurrencyTranslationAdjustmentsAndOtherMovements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="SettlementAndCancellationOfOwnSharesMember" id="nwg_SettlementAndCancellationOfOwnSharesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DistributionsToShareholdersOfEqualAmountAreMadeMember" id="nwg_DistributionsToShareholdersOfEqualAmountAreMadeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NatwestGroupExcludingRbsPlcAndRetailBankingMember" id="nwg_NatwestGroupExcludingRbsPlcAndRetailBankingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TaxCreditsShareBasedPayments" id="nwg_TaxCreditsShareBasedPayments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="PaymentForShareCancellation" id="nwg_PaymentForShareCancellation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="GainLossPurchaseOfFreeholdsForProperties" id="nwg_GainLossPurchaseOfFreeholdsForProperties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LeveragedFinanceLoan" id="nwg_LeveragedFinanceLoan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="UsdSeriesUNonCumulativeDollarPreferenceSharesIsinUs39057aa62Member" id="nwg_UsdSeriesUNonCumulativeDollarPreferenceSharesIsinUs39057aa62Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PerpetualRegulatoryTierOneSecurityIsinUs780097ah44Member" id="nwg_PerpetualRegulatoryTierOneSecurityIsinUs780097ah44Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FixedToFloatingRateNotesDue8March2023Member" id="nwg_FixedToFloatingRateNotesDue8March2023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NoticeOfRedemptionOfInstrumentsThatCanNoLongerBeIncludedAsPartOfTier1CapitalMember" id="nwg_NoticeOfRedemptionOfInstrumentsThatCanNoLongerBeIncludedAsPartOfTier1CapitalMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RoyalBankOfScotlandInternationalHoldingsLimitedMember" id="nwg_RoyalBankOfScotlandInternationalHoldingsLimitedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CashFlowFromNetAssetsLiabilitiesPurchased" id="nwg_CashFlowFromNetAssetsLiabilitiesPurchased" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NetOutflowOfCashInRespectOfAcquisitions" id="nwg_NetOutflowOfCashInRespectOfAcquisitions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="CashFlowFromNetAssetsLiabilitiesDisposed" id="nwg_CashFlowFromNetAssetsLiabilitiesDisposed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NetInflowOfCashInRespectOfDisposals" id="nwg_NetInflowOfCashInRespectOfDisposals" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LoansToCustomersAndDebtInstrumentsTransferredToProvideCollateralForIssueOfDebt" id="nwg_LoansToCustomersAndDebtInstrumentsTransferredToProvideCollateralForIssueOfDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DebtSecuritiesAndOtherBorrowingsIssuedForWhichCollateralIsProvidedByTransferredAssets" id="nwg_DebtSecuritiesAndOtherBorrowingsIssuedForWhichCollateralIsProvidedByTransferredAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NominalValueOfOwnSharesPurchased" id="nwg_NominalValueOfOwnSharesPurchased" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PercentageOfIssuedSharesRepurchased" id="nwg_PercentageOfIssuedSharesRepurchased" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OrdinaryShareBuybackProgramMember" id="nwg_OrdinaryShareBuybackProgramMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ConsiderationPaidForRepurchaseOfOwnShares" id="nwg_ConsiderationPaidForRepurchaseOfOwnShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="IrelandPensionSchemeMember" id="nwg_IrelandPensionSchemeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NatwestMarketsPlc145.6MillionFloatingRateDatedNotes2023Member" id="nwg_NatwestMarketsPlc145.6MillionFloatingRateDatedNotes2023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NominalValueOfPreferenceStockSharesPurchased" id="nwg_NominalValueOfPreferenceStockSharesPurchased" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PercentageOfPreferredStockSharesPurchased" id="nwg_PercentageOfPreferredStockSharesPurchased" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PreferredStockSharesPurchasePricePercentage" id="nwg_PreferredStockSharesPurchasePricePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="TotalConsiderationPaidForPurchaseOfPreferredStockShares" id="nwg_TotalConsiderationPaidForPurchaseOfPreferredStockShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
</xsd:schema>
